Mobile payments adoption – introducing mindfulness to better understand consumer behavior

2020 ◽  
Vol 38 (7) ◽  
pp. 1575-1599
Author(s):  
Carlos Flavian ◽  
Miguel Guinaliu ◽  
Yuntao Lu
Keyword(s):  
United States ◽  
Structural Equation ◽  
Online Survey ◽  
New Technologies ◽  
The United States ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Adoption Process ◽  
Content Type

PurposeWith the popularity of mobile devices and new technologies, such as NFC, mobile payment, which is taking the place of credit cards and cash as the chief payment method, is attracting more and more attention. Thus, this paper aims to investigate the main determinants of mobile payment use intention and proposes a model of mobile payment adoption, integrating mindfulness as a major factor.Design/methodology/approachData for the study were collected through an online survey of a representative sample of 414 users in the United States and 380 in Spain. Structural equation modelling (SEM) was used to verify the validity of the variables and the relationships among them.FindingsThe results showed that mindfulness, perceived ease of use, perceived usefulness, subjective norms and attitude have significant influence on mobile payment use intention.Research limitations/implicationsThe present study is based on samples from only the United States and Spain, which limits generalization of the results. The notion of mindfulness is new in mobile payment adoption research, so future studies should analyze in more detail and in depth its effect on these adoption processes.Originality/valueThis is the first study to incorporate mindfulness into a mobile payment adoption process. Incorporating mindfulness complements traditional variables to show how users address the adoption process (e.g. novelty seeking, engagement, anxiety, attention paid).

scholarly journals Predicting mobile network operators users m-payment intention

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Choi-Meng Leong ◽  
Kim-Lim Tan ◽  
Chin-Hong Puah ◽  
Shyh-Ming Chong
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Mobile Network ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mediation Effect ◽  
Mobile Payment ◽  
Content Type ◽  
Payment Services ◽  
Mobile Network Operators

Purpose This study aims to investigate the intention of using mobile payment (m-payment) services in Sarawak, Malaysia. Design/methodology/approach A total of 194 online payment users were selected to respond to the structured questionnaire. The partial least squares-structural equation modelling (PLS-SEM) was used to analyse the data by assessing the measurement and model. Findings Perceived usefulness (PU) and perceived ease of use mediated the relationship between perceived compatibility (PC) and the intention to use the mobile payment for mobile network operators’ services. Research limitations/implications The analysis provides insights that PC is considered as a significant determinant for mobile payment of mobile network operators’ services. Practical implications The operators can consider factors such as PC in the design of their mobile applications and the potential to expand the m-payment services to others e-wallet such as Sarawak e-wallet. The model possesses medium prediction power, which suggests that other variables such as perceived security and personal innovativeness also can be used to predict the usage behaviour of mobile payment for the mobile network services. Originality/value The present study contributes to the m-payment users’ behaviour intention literature by investigating the mobile-based predictors of using m-payment technology in an emerging digital economy state in Sarawak, Malaysia. This study also extends the knowledge of technology acceptance model by introducing the mediation effect of PU and ease of use between the mobile-based predictors and m-payment intention.

Consumer acceptance of smart speakers: a mixed methods approach

2018 ◽  
Vol 12 (4) ◽  
pp. 418-431 ◽  
Author(s):  
Pascal Kowalczuk
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Online Survey ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Smart Devices ◽  
Intention To Use ◽  
Content Type ◽  
Acceptance Model

PurposeVoice-activated smart speakers such as Amazon Echo and Google Home were recently developed and are gaining popularity. Understanding and theorizing the underlying mechanisms that encourage or impede consumers to use smart speakers is fundamental for enhancing acceptance and future development of these new devices. Therefore, building on technology acceptance research, this study aims to develop and test an acceptance model for investigating consumers’ intention to use smart speakers.Design/methodology/approachFirst, antecedents that may significantly affect the usage intention of smart speakers were identified through an explorative approach by a netnographic analysis of customer reviews (N= 2,186) and Twitter data (N= 899). Afterward, these results and contemporary literature were used to develop and validate an acceptance model for smart speakers. Structural equation modeling (SEM) was used to test the proposed hypotheses on data collected from 293 participants of an online survey.FindingsBesides perceived ease of use and perceived usefulness, the quality and diversity of a system, its enjoyment, consumer’s technology optimism and risk (surveillance anxiety and security/privacy risk) strongly affect the acceptance of smart speakers. Among these variables, enjoyment had the strongest effect on behavioral intention to use smart speakers.Originality/valueThis is the first study that incorporates netnography and SEM for investigating technology acceptance and applies it to the field of interactive smart devices.

scholarly journals Factors influencing consumers' rejection to smartphone transactions in the lodging industry

2020 ◽  
Vol 34 (1) ◽  
pp. 29-40
Author(s):  
Stephanie Bae ◽  
Jun Mo Kwon ◽  
Alyssa Bosley
Keyword(s):  
Structural Equation ◽  
Online Survey ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Lodging Industry ◽  
Equation Modeling ◽  
Smartphone Apps ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Hotel Room

PurposeThe main purpose of this study is to investigate what affects a customer's decision to use the hotel smartphone applications when he/she makes a room reservation.Design/methodology/approachA total of 266 usable data was collected through an online survey. The research model was tested using confirmatory factor analyses and structural equation modeling.FindingsThis study revealed that perceived usefulness, perceived credibility, perceived equipment risk, and perceived change risk affected customers' intention to book a hotel room using hotel smartphone apps. Perceived ease of use did not have a significant effect on behavioral intention.Originality/valueThis study extended TAM and the existing literature of mobile technology in the lodging industry. This article explored both existing variables and new variables in studying customers' intention to use hotel smartphone apps when booking a hotel room.

An exploration of online brand community (OBC) engagement and customer’s intention to purchase

2016 ◽  
Vol 8 (4) ◽  
pp. 295-314 ◽  
Author(s):  
Anurag Tiruwa ◽  
Rajan Yadav ◽  
P.K. Suri
Keyword(s):  
Purchase Intention ◽  
Structural Equation ◽  
Online Survey ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Communication Strategy ◽  
Content Type ◽  
Brand Communities ◽  
Intention To Purchase ◽  
Online Brand Communities

Purpose The purpose of this paper is to understand the influence of online brand communities on customers’ attitude, who engage with such communities, and their further influence on purchase intention (PI). Design/methodology/approach A conceptual framework was developed by reviewing literature and then validating it in the context of customers, engaged with Facebook brand pages. The framework empirically examined the influence of perceived usefulness, perceived ease of use, social influence and attachment with brand (AWB) on attitude towards brand and PI; alongside the influence of AWB on PI, from 206 responses gathered from an online survey administered to Facebook users. The framework was validated by using structural equation modelling. Findings The results demonstrate that the proposed framework was found to have a good fit, and seven of eight relationships hypothesized were found to be significant. The study establishes that the online brand communities have an impact on the customers’ attitude, which in turn has an influence on customers’ intention to purchase. Originality/value This study is first of its kind to analyse the engagement on Facebook online brand communities and the influence they have on the customers’ attitude towards a brand which further develops the PI of the customer. The paper suggests and supports the adoption and usage of online brand communities as a part marketing and communication strategy.

The impact of mobile health monitoring on the evolution of patient-pharmacist relationships

2020 ◽  
Vol 14 (1) ◽  
pp. 1-19
Author(s):  
Anaïs Ake ◽  
Manon Arcand
Keyword(s):  
Mobile Health ◽  
Structural Equation ◽  
Online Survey ◽  
Health Condition ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Content Type ◽  
Perceived Vulnerability ◽  
The Impact

Purpose Increasingly popular mobile health technology is creating a new paradigm for the delivery of care to patients involving a role of the pharmacist. This study aims to propose a renewed patient–pharmacist relationship in this environment and present an empirical case study investigating the influence of key variables, including the consumer’s attitude toward personalized monitoring performed by the pharmacist, on the intention to adopt a mobile health app. Other drivers identified were ease of use and perceived usefulness of the app, individual and health-related factors (perceived vulnerability and severity of health condition, social norms and innovativeness with technology) and quality of relationship with the pharmacist. Design/methodology/approach A self-administered online survey was completed by 356 Canadian mobile device owners of more than 40 of age. Analyses were performed using structural equation modeling. Findings The main factor driving adoption intentions was perceived usefulness followed by the respondent’s innovativeness with technology and perceived vulnerability of his/her health condition. Attitude toward personalized monitoring depends primarily on the relationship with the pharmacist. No relationship was found between adoption intentions and attitude toward personalized monitoring. Originality/value This research features a multidisciplinary approach by using variables from relational marketing, information technology and health and inclusion of the pharmacist (vs physician) as a health consultant, offering relevant marketing avenues for pharmacists.

Examining the roles of students' beliefs and security concerns for using smartwatches in higher education

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mostafa Al-Emran ◽  
Andrina Granić ◽  
Mohammed A. Al-Sharafi ◽  
Nisreen Ameen ◽  
Mohamed Sarrab
Keyword(s):  
Higher Education ◽  
Theoretical Model ◽  
Technology Acceptance ◽  
Structural Equation ◽  
New Technologies ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Related Factors ◽  
Content Type

PurposeDespite the increased use of wearables in education, little attention has been paid to why some students are more likely to adopt smartwatches than others. The question of what impacts the adoption of smartwatches in educational activities is still neglected. In addition, the question of how security determinants can affect the adoption of smartwatches by students has not been addressed yet. Hence, this study aims to develop a theoretical model by integrating the technology acceptance model (TAM) and protection motivation theory (PMT) to study students' adoption of smartwatches for educational purposes.Design/methodology/approachQuestionnaires were distributed to university students in Malaysia. A total of 679 valid responses were collected. The collected data were analyzed using partial least squares-structural equation modeling (PLS-SEM).FindingsThe results of data analysis provide support for the proposed model. Furthermore, the findings indicated that perceived vulnerability, self-efficacy, response efficacy, response cost, ease of use and perceived usefulness have significant effects on students' behavioral intention to use smartwatches for educational purposes. In addition, perceived ease of use of smartwatches for educational purposes helps students to realize the benefits of this technology.Originality/valueThis is an original study that develops a new holistic theoretical model by combining the PMT and TAM to study the effects of ease of use, usefulness and security-related factors on the adoption of smartwatches for educational purposes. The study offers practical implications for universities and higher education institutions to improve students' learning experiences to ensure their sustainability using new and innovative ways by exploiting new technologies such as smartwatches.

scholarly journals Predicting intention to adopt mobile card payment service

2020 ◽  
Vol 58 (4) ◽  
pp. 497-515
Author(s):  
Hyo-Jung Kim ◽  
Jin-Myong Lee
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Online Survey ◽  
Subjective Norms ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Herding Behavior ◽  
Intention To Adopt ◽  
Payment Services

The use of mobile payment services has recently increased in South Korea. Mobile payments allow consumers to purchase items digitally, using a mobile card in an app affiliated with a payment service. This study explores the predictors of intention to adopt mobile payment services. The study employed an A(affective)-B(behavioral)-C(cognitive) model with two antecedent variables: cognitive (perceived usefulness, perceived risk, perceived ease of use, and perceived herding behavior) and affective (satisfaction with the status quo, innovation resistance) responses. An online survey of 405 non-users of mobile payment services aged 20 to 49 years was conducted. The study used SPSS 23.0 for descriptive analysis and Amos 23.0 for confirmatory factor analysis and structural equation modelling. The results are as follows. First, perceived usefulness, perceived risk, and perceived herding behavior significantly influenced innovation resistance. Second, perceived herding behavior significantly influenced subjective norms. Third, innovation resistance and subjective norms significantly influenced the intention to adopt mobile payment services. The findings suggest that the A-B-C model can be useful in understanding consumers’ adoption and resistance behaviors and that cognitive and affective responses are important antecedent variables affecting the decision to adopt mobile payment services.

Will proximity mobile payments substitute traditional payments? Examining factors influencing customers' switching intention during the COVID-19 pandemic

2022 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Hong-Lei Mu ◽  
Young-Chan Lee
Keyword(s):  
Structural Equation ◽  
Study Data ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Mobile Payments ◽  
The Relationship

PurposeThe objective of this study is twofold: first, to investigate the determinants of customers' switching intention from traditional payments to proximity mobile payments (PMPs) during the COVID-19 pandemic for specific insight on how these factors shape customers' switching intentions; second, this study discusses the relationship between traditional payments and PMP services.Design/methodology/approachThe study data were collected from individual customers who used both traditional payments and PMP in a physical store during the COVID-19 pandemic. Structural equation modeling (SEM) was applied to analyze the validity of the variables and the causal relationships among variables based on 305 valid data.FindingsThe results show that the factor of traditional payments, that is, dissatisfaction positively and significantly influenced customers' switching intention. Factors of PMP, namely perceived usefulness (PUF) and perceived ease of use (EOU), positively and significantly impacted switching intention. In addition, the relationship between traditional payments and PMP, that is, low perceived substitutability was found to negatively influence switching intention, PUF and EOU.Research limitations/implicationsFirst, the study targets are customers with experience in using PMP after the COVID-19 pandemic. It is suggested to compare customers who had experience using PMP before and after the COVID-19 pandemic. Second, although cash and bank cards belong to the category of traditional payments, they have different degrees of contact when transactions occur. The contact rate of bank cards is lower than that of cash. This study did not differentiate between cash and bank cards, which is the main limitation.Originality/valueFirst, this study provides a reference to examine mobile payment usage from the perspective of both incumbent and alternative services conjointly under emergency situations, especially during the COVID-19 pandemic. Second, the application of migration theory to the context of mobile payment extends existing research on mobile payment. Third, this study is among the first to investigate the relationship between traditional payments and PMP.

The continuance usage intention of Alipay

2019 ◽  
Vol 32 (3) ◽  
pp. 211-229 ◽  
Author(s):  
Abul Khayer ◽  
Yukun Bao
Keyword(s):  
Structural Equation ◽  
Integrated Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Continuance Intention ◽  
Content Type ◽  
Map Analysis

Purpose The purpose of this paper is to examine the continuance intention of Alipay by proposing an integrated model. This paper highlights how the capacity of providing context-based information to the users plays significant role in determining the continuance intention of mobile payment like Alipay. Design/methodology/approach Data are collected from 336 Alipay users from Wuhan, P.R. China. To analyze the data, the authors apply structural equation modeling approach. Also, the authors perform importance-performance map analysis (IPMA) to identify the critical factors in explaining the continuance intention of Alipay. Findings The results of the study reveal that confirmation and perceived usefulness significantly influence the continuance intention of Alipay through satisfaction. Also, perceived usefulness, satisfaction, context and ubiquity have direct impact on the continuance intention of Alipay through attitude. According to IPMA, perceived ease of use, confirmation and context require special managerial consideration to improve their performance. Originality/value This research has proposed and validated an integrated model by incorporating context-awareness theory and technology continuance theory. This study provides significant insights that can assist respective decision-makers to formulate/adjust their strategies related to the retention of the existing users of mobile payment like Alipay.

An investigation of mobile payment (m-payment) services in Thailand

2016 ◽  
Vol 8 (1) ◽  
pp. 37-54 ◽  
Author(s):  
Chanchai Phonthanukitithaworn ◽  
Carmine Sellitto ◽  
Michelle W.L. Fong
Keyword(s):  
Technology Acceptance ◽  
Conceptual Model ◽  
Structural Equation ◽  
Business Models ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Content Type ◽  
Payment Services

Purpose – Despite the significant efforts by the Thai Government to promote the use of mobile payment (m-payment) services, this new mode of financial payment has had limited consumer interest. Indeed, whilst it is seemingly desirable to facilitate the uptake of m-payment services given government promotion, limited research has been undertaken to examine the factors that might promote adoption. The purpose of this paper is to address this research gap. Design/methodology/approach – The study developed a conceptual model based on elements of innovation diffusion theory and technology acceptance. The model was empirically validated using structural equation modelling analysis using the responses gained from 529 Thai mobile phone users. The intercept interview/survey across eight different locations was the instrument used for data collection. Findings – The empirical results indicate that consumer adoption of m-payment services in Thailand was determined by four factors – compatibility, subjective norm, perceived trust, and perceived risk. Surprisingly, the construct of perceived usefulness, perceived ease of use, and perceived cost were found not to have a direct effect on behavioural intention. Research limitations/implications – The results regarding electronic payments highlight the importance of four factors that are fundamental in understanding consumer behaviour in regards to financial m-payments. The conceptual model developed in the study is well suited as a primary research framework to explore other aspect of technological innovation in a Thai context. Even though the model is not generalisable, it has the potential to be refined for use in other countries. The findings from the research contribute to the small, but growing number of studies focusing on technological business innovation in Thailand. Practical implications – The results of this study will be of value to various groups associated with m-payment services such as mobile network operators, financial institutions, and payment service providers. The findings will potentially inform appropriate service strategies and business models in order to improve the uptake of this type of financial payment by Thai consumers. The factors identified are significant in informing how the capacity of the Thai Government’s investment in electronic infrastructure could be more fully utilised. Originality/value – This study adds to the literature by bridging the gap in explaining consumer intentions to adopt new technological services amongst people who know about the service but have not adopted it as yet. Moreover, this paper is a pioneer study about the adoption of m-payment services in Thai setting.

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