The effect of initial trust on user adoption of mobile payment

Due to the high perceived risk and low switching cost, it is critical to building users' initial trust in mobile payment in order to facilitate their adoption and usage. The purpose of this research is to examine the effect of initial trust on user adoption of mobile payment. We conducted data analysis with structural equation modeling. The results indicated that perceived security, perceived ubiquity and perceived ease of use have significant effects on initial trust, which in turn determines perceived usefulness and usage intention. We also found that perceived cost is a significant determinant of usage intention.

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Switching to Proximity Mobile Payment: Empirical Evidence from Korean Users

10.20944/preprints202105.0330.v1 ◽

2021 ◽

Author(s):

Hong-Lei Mu ◽

Young-Chan Lee

Keyword(s):

Perceived Risk ◽

Structural Equation ◽

Service Providers ◽

Ease Of Use ◽

Perceived Usefulness ◽

Switching Behavior ◽

Equation Modeling ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Modeling Analysis

Individual users' payment behaviors have changed. The diffusion of mobile devices makes people suitable for proximity mobile payment (PMP) services without the need for traditional payment. Existing mobile payment literature mainly focuses on users' adoption and continuous usage behavior, nevertheless, switching behavior on payment received little attention, especially focusing on why users switch from traditional payment to PMP. Thus, the objective of the current research is to investigate factors influencing users’ traditional payment - PMP switching to comprehend how these factors shape users’ switching intentions. We developed a traditional payment - PMP transition model based on the push-pull-mooring framework derived from migration theory. This research adopted a structural equation modeling analysis on 311 valid data. The findings indicate that a push factor drives users away from traditional payment in terms of dissatisfaction. The pull factors, including perceived substitutability and perceived usefulness, attract users to PMP. Furthermore, in terms of perceived technical compatibility, a positive mooring factor, facilitates users' switching to PMP. Negative mooring factor, in terms of perceived risk, hinder users' switching intention. However, another pull factor - perceived ease of use, failed to influence switching intention significantly. This study found some distinctions between mobile payment switching and mobile payment adoption. These findings provide pivotal insights for the mobile payment service providers.

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How Inclusive Digital Financial Services Impact User Behavior: A Case of Proximity Mobile Payment in Korea

Sustainability ◽

10.3390/su13179567 ◽

2021 ◽

Vol 13 (17) ◽

pp. 9567

Author(s):

Hong-Lei Mu ◽

Young-Chan Lee

Keyword(s):

Financial Services ◽

Perceived Risk ◽

Structural Equation ◽

Service Providers ◽

Ease Of Use ◽

Perceived Usefulness ◽

Switching Behavior ◽

Equation Modeling ◽

Mobile Payment ◽

Perceived Ease Of Use

Users’ payment behaviors have changed. The diffusion of mobile devices makes people suitable for proximity mobile payment (PMP) services without traditional payment. Existing mobile payment literature mainly focuses on the adoption and continuous usage behavior. Nevertheless, switching behavior on payment has received little attention, especially on why people switch from traditional payment to PMP. Thus, the purpose of this study is to investigate factors influencing users’ traditional payment–PMP switching to comprehend how these factors shape switching intention. To that end, we developed a traditional payment–PMP transition model based on the push–pull–mooring framework derived from migration theory. This study conducted a structural equation modeling analysis on 311 valid data. The findings indicated that a push factor drives users away from traditional payment in terms of dissatisfaction. The pull factors, including perceived substitutability and perceived usefulness, attract users to PMP. Furthermore, a positive mooring factor facilitates users’ switching intention to PMP in terms of perceived technical compatibility. The negative mooring factor, in terms of perceived risk, hinders users’ switching intention. However, another pull factor—perceived ease of use—failed to influence switching intention significantly. This study found some distinctions between mobile payment switching and mobile payment adoption. These findings provide pivotal insights for mobile payment service providers.

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Investigasi Faktor Yang Mempengaruhi Behavioral Intention Pada Pengguna Grab Bike

Jurnal Manajemen dan Kearifan Lokal Indonesia ◽

10.26805/jmkli.v3i2.68 ◽

2019 ◽

Vol 3 (2) ◽

pp. 94

Author(s):

Sulaiman Sulaiman ◽

Zainal Abidin ◽

Suharno Suharno

Keyword(s):

Structural Equation Modeling ◽

Behavioral Intention ◽

Perceived Risk ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Perceived Ease Of Use ◽

Software Analysis

Tujuan penelitian ini mengetahui pengaruh behavioral intention (BI) terhadap transportasi online grab bike dengan menggunakan variabel trust, perceived ease of use (PEOU), perceived risk (PR) dan perceived usefulness (PU). Sebanyak 161 orang menjadi responden dalam penelitian ini dengan cara mengisi kuesioner. Data yang diperoleh kemudian dianalisis menggunakan alat analisis Structural Equation Modeling (SEM) dengan menggunakan software analysis of moment structure (AMOS). Setelah dilakukan penelitian diperoleh hasil bahwa PR berpengaruh signifikan terhadap trust, PEOU berpengaruh signifikan terhadap trust, PU berpengaruh signifikan terhadap trust. Begitu pula pengaruh PR signifikan terhadap behavioral intention, PEOU, PU signifikan terhadap behavioral intention, serta trust signifikan terhadap behavioral intention.

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Anteseden Mobile Banking Adoption

Media Riset Bisnis & Manajemen ◽

10.25105/mrbm.v19i1.5352 ◽

2019 ◽

Vol 19 (1) ◽

pp. 45

Author(s):

Rangga Maulid Mahardika ◽

Harsini Soetomo

Keyword(s):

Structural Equation Modeling ◽

Perceived Risk ◽

Structural Equation ◽

Word Of Mouth ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Mobile Banking ◽

Perceived Ease Of Use ◽

Price Fairness

Abstrak Tujuan –Tujuan dari penelitian ini adalah untuk menganalisis pengaruh dari self efficacyterhadap mobile banking adoption melalui perceived risk, perceived ease of use,perceived usefulness dan behavioural intention.Desain/Metodologi/ Pendekatan – Rancangan penelitian ini dilakukandengan menggunakan rancangan penelitian uji hipotesis (hypotheis testing). Unitanalisis yang digunakan dalam metode penelitian ini adalah pengguna Mobilebanking yang aktif menggunakan dalam 3 bulan terakhir, dan penelitian inimenggunakan data cross-sectional dan teknik sampling yang digunakan adalahpurposive sampling. Structural Equation Modeling (SEM) digunakan untuk mengujihipotesis dalam penelitian ini.Temuan - Hasil penelitian ini menunjukan bahwa (1) Selfefficacy tidak memiliki pengaruh negatif yang signifikan terhadap perceived risk, Self Efficay memiliki pengaruh positif terhadap perceived ease of use dan perceived usefulness dalam penggunaan mobile banking, (2) Perceived ease of use memiliki pengaruh positif terhadap perceived usefulness, Perceived ease of use memiliki pengaruh positif terhadap Intention to Adoption Mobile Banking (3) Perceived risk tidak memiliki pengaruh negatif yang signifikan terhadap intention to adoption mobile banking, (4) Perceived ease of use dan perceived usefulness memiliki pengaruh positif terhadap intention to adoption mobile banking, (5) Perceived usefulness tidak memiliki pengaruh positif yang signifikan terhadap adoption mobile banking, dan (6) Intention to adoption mobile banking memiliki pengaruh positif terhadap adoption mobile banking. AbstractPurpose –The purpose of this study is to analyze the effect of self eficacy on mobile adoption through percieved risk, percieved ease of use, percieved usefulness and behavioral intentionDesign/Methodology/Approach – Using 210 respondents of active mobile banking users in last 3 months, hypotheses were tested with Structural Equation Modeling by AMOSFindings - The results showed a positive influence between reflected appraisal of self, self image congruency and cafe quality of cafes toward the electric keyword from word of mouth, while on the conspicuous value and price fairness of does not affect the electronic word-of-mouth. There are several managerial implications that can influence consumers to deliver eWOM by taking more attention to self-relevant value and cafe-relevant value.

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ANALISIS TECHNOLOGY ACCEPTANCE MODEL APLIKASI LINKAJA

Jurnal Riset Ekonomi dan Bisnis ◽

10.26623/jreb.v13i3.2861 ◽

2020 ◽

Vol 13 (3) ◽

pp. 164

Author(s):

Anggit Esti Irawati ◽

Ehrmann Suhartono

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Perceived Ease Of Use ◽

Actual Use ◽

Acceptance Model

Potensi penggunaan e-money sangat besar dan menarik perhatian sebagai cara pembayaran alternatif di seluruh dunia. Pemerintah melalui Bank Indonesia menggerakkan masyarakat untuk melakukan Gerakan Nasional Non Tunai (GNNT). Namun, hanya lapisan masyarakat tertentu yang sudah terbiasa menggunakan transaksi dengan e-money. Sebagian masyarakat beranggapan bahwa transaksi pembayaran menggunakan e-money masih terdapat banyak kekurangan. Penelitian ini bertujuan untuk menguji Technology Acceptance Model (TAM) yaitu perceived ease of use dan perceived usefulness, selain itu juga menambahkan perceived risk untuk mengetahui pengaruh terhadap attitude toward using dan actual use terhadap penggunaan aplikasi LinkAja. Metode analisis menggunakan Structural Equation Modeling (SEM) dengan alat analisis SmartPLS. Penelitian ini dilakukan dengan metode survei dan sampel diambil menggunakan teknik purposive sampling terhadap responden yang menggunakan aplikasi LinkAja di seluruh Indonesia. Responden yang diperoleh sebanyak 200 responden. Hasil penelitian menunjukkan bahwa perceived ease of use dan perceived usefulness berpengaruh positif signifikan terhadap attitude toward using dan actual use. Perceived risk tidak berpengaruh signifikan terhadap actual use aplikasi LinkAja.

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Implementation of Mobile Payment in Indonesia

International Journal of Recent Technology and Engineering - 2 ◽

10.35940/ijrte.b1172.0782s419 ◽

2019 ◽

Vol 8 (2S4) ◽

pp. 863-866 ◽

Cited By ~ 1

Keyword(s):

Perceived Risk ◽

Structural Equation ◽

Ease Of Use ◽

Equation Modeling ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Online Forums ◽

Electronic Money ◽

Multivariate Technique ◽

Alternative Means

Indonesia is one country that has implemented several electronic payment, including storing and using electronic money. In Indonesia many products that dikelurkan electronic money banks and private parties. Examples of some mobile payment products in Indonesia is Ovo, Doku, Gopay and more as products are developed from large companies in Indonesia. This study was to determine the factors that affect the adoption of the use of electronic money in Indonesia as an alternative means of payment. Respondents Data obtained from filling the form online at Google form, which links its spread through social media such as Facebook, Twitter, and online forums. The target respondents are people who never used a mobile payment. Data were analyzed using multivariate technique structural equation modeling (SEM) using software LISREL 8. Results of data processing shows that the factors that affect the acceptance of mobile payment is electronic wordof-mouth (e-WOM), trust, perceived risk and perceived ease of use.

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How food retailing changed in Turkey: spread of self-service technologies

British Food Journal ◽

10.1108/bfj-03-2017-0189 ◽

2018 ◽

Vol 120 (2) ◽

pp. 290-308 ◽

Cited By ~ 2

Author(s):

Ipek Kazancoglu ◽

Emel Kursunluoglu Yarimoglu

Keyword(s):

Technology Acceptance ◽

Perceived Risk ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Situational Factors ◽

Equation Modeling ◽

Future Research ◽

Perceived Ease Of Use ◽

Content Type

Purpose The purpose of this paper is to predict customers’ intentions to use self-checkouts based on the technology acceptance model (TAM). Design/methodology/approach The questionnaire consisted of constructs taken from the existing literature such as perceived ease of use (PEU), perceived usefulness (PU), behavioral intentions, technology anxiety (TA), perceived risk (PR), need for interaction (NI), and situational factors (SF). Before preparing the questionnaire, the focus group studies were organized to gain deeper insights regarding customers’ views about self-checkouts. Based on the results of the focus groups, some items in the constructs were adapted, and the questionnaire was generated. The field study was conducted via face-to-face survey with 500 customers chosen by stratified random sampling. Confirmatory factor analysis and structural equation modeling were used to validate the relationships hypothesized in the conceptual model among constructs. Findings Out of the 16 hypotheses, 10 were found to be significant. The hypotheses related to the effects of PR, PEU, PU, intentions, while the effects of NI on PU and intentions; the effects of SF on intentions were not accepted in the study. According to the findings, PEU, PU, and TA affected intentions whereas PR, NI, and SF did not. Research limitations/implications There were some limitations related to demographics, attitudes, SF, and actual usage of self-checkouts. Practical implications To avoid queues, retailers should install a sufficient number of user-friendly and simple interfaced self-checkouts with well-trained employees to encourage usage and reduce the perceived risk and anxiety. Originality/value The main contribution of this study was that the effects of different constructs were measured on Turkish customers’ intentions to use self-checkouts, which could be used in formulating marketing strategies as well as considering future research directions. The paper also provided additional insights into the effects of SF, TA, NI, and PR, all of which were added to the TAM in this study.

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CONSUMERS’ PARSIMONY OF MOBILE INTERNET BANKING USAGE IN MALAYSIA

Humanities & Social Sciences Reviews ◽

10.18510/hssr.2019.7128 ◽

2019 ◽

Vol 7 (1) ◽

pp. 239-248

Author(s):

Lim Foo-Wah ◽

A. Fakhrorazi ◽

Rabiul Islam

Keyword(s):

Structural Equation Modeling ◽

Perceived Risk ◽

Structural Equation ◽

Internet Banking ◽

Mobile Internet ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Perceived Ease Of Use ◽

Personal Finances

Purpose of the Study: The objective of this study is to empirically investigate the determinants of the adoption of mobile Internet Banking in Malaysia. However, the slow growth of mobile Internet banking usage as comparison to online Internet Banking increases the concern on the adoption and parsimony issues of mobile Internet banking (MI-Banking) usage in managing personal finances and banking activities. Methodology: Self-administered survey was applied and analyzed by using V-Base structural equation modeling. The responses of 358 respondents were analyzed by using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) technique. Results: The findings of this study revealed that perceived ease of use, perceived usefulness, and perceived risk significantly influenced the adoption of mobile internet banking, while perceived ease of use was found to have the greatest influence on the overall adoption of mobile internet banking. At the same token, perceived ease of use was found to have a significant influence on perceived usefulness. Implications: The application of mobile internet services has increased and mobile phones are becoming significant tools for managing and controlling personal finances and spending. Thus, a study was conducted to seek clarification on the predictors of mobile Internet banking adoption among Malaysians that will embark further and deeper studies in the context of mobile Internet Banking.

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Constituents and Consequences of Online-Shopping in Sustainable E-Business: An Experimental Study of Online-Shopping Malls

Sustainability ◽

10.3390/su10103756 ◽

2018 ◽

Vol 10 (10) ◽

pp. 3756 ◽

Cited By ~ 10

Author(s):

Muhammad Ijaz ◽

Jongtae Rhee

Keyword(s):

Perceived Risk ◽

Structural Equation ◽

Online Survey ◽

Online Shopping ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Model Matching ◽

Perceived Ease Of Use ◽

Positive Attitudes

With the growth of the internet, electronic (online) business has become an important trend in the economy. This study investigates how retailers could enhance their shopping processes and hence help sustain their e-business development. Therefore, we propose a unified information system-consumer behavior (IS-CB) model for online shopping to analyze factors that impact online shopping. We used an online survey to gather data from 633 online customers to test the theoretical model, matching differences using structural equation modeling. Highly influencing factors for the IS-CB online shopping model included perceived value (PV), perceived risk (PR), social factors (SF), perceived ease of use (PEOU), perceived usefulness (PU), online shopping intention, trust, online shopping experience, actual online shopping purchases, entertainment gratification (EG), website irritation (WI), information design (ID), visual design (VD), and navigation design (ND). This study provides important theoretical and practical implications. PV and trust in online shopping can nurture positive attitudes and shopping intentions among online customers. Well-designed websites produce higher levels of trust and reduced WI. Similarly, online shopping sites with better ID, ND, and VD also reduce WI and increase trust. This study fills gaps in previous studies relating to IS and CB and provides explanations for IS and CB constituent impacts on acceptance and use of online shopping. The proposed unified IS-CB explains consumer online shopping patterns for a sustainable e-business.

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Exploring Consumers’ intention to adopt Mobile Payment system in Ghana

International Journal of E-Services and Mobile Applications ◽

10.4018/ijesma.2022010103 ◽

2022 ◽

Vol 14 (1) ◽

pp. 0-0

Keyword(s):

Structural Equation ◽

Positive Influence ◽

Payment System ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Mobile Payment ◽

Payment Method ◽

Perceived Ease Of Use ◽

Intention To Adopt

In this paper, we examined consumers’ intention to adopt and use mobile payment method in Ghana. Data for the study was obtained from a sample of 260 respondents through online and direct survey using structured questionnaire. Structural Equation Modeling was used to analyse the data through SPSS v.22 and SmartPLS v.3. Findings with regards to the determinants of mobile payment system adoption indicate that perceived security, attitude and perceived usefulness play active roles in consumers decision to adopt mobile payment method in Ghana. Also, perceived usefulness and perceived ease of use have a significant and positive influence on consumers’ attitude towards mobile payment adoption. Further, subjective norm was found to influence perceived usefulness and perceived ease of use of mobile payment adoption in Ghana. The study contributes to literature on mobile payment system from developing country context. The study proffered some recommendations.

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