scholarly journals Consumers’ Adoption of Mobile Payment: Comparison between China and Malaysia

2019 ◽  
Vol 5 (2) ◽  
pp. 43
Author(s):  
S-C Chuah ◽  
S-T Cao Stella ◽  
J-Y Guo Trey ◽  
Z-J Lian Ivey
Keyword(s):  
Behavioral Intention ◽  
Subjective Norms ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Security Risk ◽  
Perceived Ease Of Use ◽  
Kuala Lumpur ◽  
Perceived Security ◽  
Payment Services

Mobile payment services has emerged as one of the prominent transaction payment methods. China is leading in mobile payment globally while mobile payment in Malaysia still in its infancy. This paper compares the factors in adoption of mobile payment among consumers’ in Zuhai, China and Kuala Lumpur, Malaysia. The factors included in the study were perceived usefulness, perceived ease of use, subjective norms and perceived security risk. A cross-sectional, descriptive study was undertaken on 96 smartphone users from China and 51 users from Malaysia. Inferential statistics Mann-Whitney U test was applied to compare between study variables. Spearman’s ho correlation was used to identify the association between the study variables and behavioral intention to adopt mobile payment services. The study found significant different between users’ perception on subjective norms and perceived security risk in these two city. There was no significant different for perceived usefulness and perceived ease of use between users in Zuhai and Kuala Lumpur. Significant negative linear correlations between perceived security risk and behavioral intention, and significant positive correlations between perceived usefulness, perceived ease of use and subjective norms and behavioral intention were observed from the study. The findings of this study indicate that the consumers in Kuala Lumpur have higher concern on mobile payment services security and greater social influences to adopt mobile payments.

The Impact of Consumers’ Attitude Towards Mobile Payment Feasibility

2020 ◽  
Vol 17 (2) ◽  
pp. 1127-1142
Author(s):  
Nor Azah Abdul Aziz ◽  
Lam Jia Wen ◽  
Hartini Azman ◽  
Atirah Sufian
Keyword(s):  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Mobile Payments ◽  
Perceived Security ◽  
Payment Services ◽  
The Impact

This study discussed about the impact of consumers’ attitude towards mobile payment feasibility in Malaysia. The research focused on three research objectives which are; (1) to identify the consumers’ concerns that influencing the mobile payments feasibility in Malaysia, (2) to investigate the relationships between perceived security, payment culture, perceived usefulness and perceived ease of use, and (3) to identify the main consumers’ concern that influencing the mobile payment feasibility in Malaysia. In this research, the researcher carried out a survey among the young public to access the performance of mobile payment services available in Malaysia. Besides, the direct opinion from the consumers is able to enhance the insight of the service providers. In conclusion, mobile payment feasibility is important to realise Bank Negara Malaysia (BNM) strategy which is Malaysia becomes a cashless society by 2050.

scholarly journals Predicting Consumer Intention to Use Mobile Payment Services: Empirical Evidence from Vietnam

2016 ◽  
Vol 8 (1) ◽  
pp. 117 ◽  
Author(s):  
The Ninh Nguyen ◽  
Tuan Khanh Cao ◽  
Phuong Linh Dang ◽  
Hien Anh Nguyen
Keyword(s):  
Empirical Evidence ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Future Research ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Payment Services ◽  
The Impact

<p>Mobile payment has relative advantages compared to other payment methods, thus providing benefits for both consumers and the society. This study attempts to examine factors influencing consumer intention to use mobile payment services. Survey data are used to investigate the impact of consumers’ perceptions of mobile payment services and social influence on use intention. Empirical evidence from 489 Vietnamese consumers confirms a significant relationship between the factors and behavioral intention, and reveals that perceived trust is the strongest predictor of intention to use mobile payment services followed by perceived ease of use, perceived enjoyment, perceived behavioral control, perceived usefulness and subjective norm, respectively. The results contribute to the evolving literature, and suggest that mobile payment service providers should particularly focus on building up consumer trust, and making their services clear, understandable and easy to use. Future research directions for extending this study are also discussed.</p>

scholarly journals THE EFFECT OF TECHNOLOGICAL AND BEHAVIORAL ON THE ADOPTION OF THE SHOPEEPAY MOBILE PAYMENT

2021 ◽  
Vol 2 (2) ◽  
pp. 106
Author(s):  
Fitri Novika ◽  
Renofia Desia Halim ◽  
Antonius Budhiman Setyawan
Keyword(s):  
Social Influence ◽  
Behavioral Intention ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Actual Use ◽  
Behavioral Attributes ◽  
Positive Effect ◽  
Financial Technology

This study aims to examine the effect of technological and behavioral attributes on the adoption attributes of the ShopeePay mobile payment application in Indonesia. The application is known as financial technology (fintech), which combines information technology and financial systems. The approach used in this research is a quantitative approach that was processed using SPSS and AMOS. Data collection in this research was done by distributing online questionnaires using a google form to ShopeePay users who used the application in the past month. The results of this study indicate that behavioral intention and social influence variables have an effect on actual use, perceived usefulness and perceived ease of use have an effect on behavioral intention, perceived ease of use and responsiveness have a positive effect on perceived usefulness, and responsiveness and security variables have a positive effect on perceived ease of use, also has a positive effect on social influence.

scholarly journals Determinant of Taxpayer’s Behavioral Intention to Use ­E­System in Taxation

2017 ◽  
Vol 7 (2) ◽  
pp. 1035
Author(s):  
Reni Surmayanti ◽  
Made Sudarma ◽  
Roekhudin Roekhudin
Keyword(s):  
Behavioral Intention ◽  
Subjective Norms ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Behavior Control ◽  
Amount Of Information ◽  
Perceived Behavior Control ◽  
Behavioral Intention To Use

Determinant of Taxpayer’s Behavioral Intention to Use ­E­System in Taxation. The purpose ofthis research is to examine the effect of attitude, subjective norms, perceived behavior control,perceived usefulness, perceived ease of use, self-efficacy and amount of information towardstaxpayer’s behavioral intention to use e-system in taxation. This research was conducted in KPPPratama Kuala Tungkal. Data collection method used is survey method by spreading the questionnaire. The sample of research is Personal Taxpayer (WPOP) who use e-system. Data analysis using Partial Least Square (PLS) with warpPLS software version 3.0. This research foundthatattitude, subjective norms and perceived behavior control does not affect the taxpayer’sbehavioral intention to use e-system in taxation. Perceived usefulness, perceived ease of use,self-efficacy and amount of information affects the taxpayer’s behavioral intention to use esystem in taxation.Keywords: Behavioral intention, e-system, Personal Taxpayer (WPOP).

Mobile Commerce Adoption From Consumers Perspective

2018 ◽  
Vol 9 (2) ◽  
pp. 12-27 ◽  
Author(s):  
Radwan Moh'd Al-Dwairi ◽  
Laith M.K. Al-Shraideh ◽  
Emad A. Abu-Shanab
Keyword(s):  
Service Quality ◽  
Technology Acceptance ◽  
Subjective Norms ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Adoption Process ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Perceived Security ◽  
Acceptance Model

In response, to little research focused on how Jordanians perceive and respond to m-commerce and the main factors that govern its adoption and use, this article proposes a conceptual model that extends the technology acceptance model (TAM) with important factors related to consumers and companies like perceived trust, perceived security, subjective norms and service quality. The proposed model was validated and then tested utilizing a sample of 200 students. Results indicate that a perceived ease of use, a perceived usefulness and service quality are the major drivers of m-commerce adoption among Jordanian users. In contrast perceived trust, perceived security, and subjective norms are not significant toward the adoption process. A detailed analysis and results follows this article.

scholarly journals Distinctive Comparison of Consumers’ Mobile Payment Adoption between China and Malaysia

2018 ◽  
Vol 2 (3) ◽  
pp. 57-61
Author(s):  
Phuah Kit Teng ◽  
Bernard Lim Jit Heng ◽  
Siti Intan Nurdiana Wong Abdullah
Keyword(s):  
Reasoned Action ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Intention To Adopt ◽  
Perceived Security ◽  
Fresh Perspective ◽  
Cross Country ◽  
Acceptance Model

The emergence of mobile payment providers such as Alipay and WeChat Pay has raised the interest in studying the adoption of mobile payment and assessment on the prediction of consumers’ intention. Due to insufficient research on cross-country comparison, this study aims to identify the differences in mobile payment adoption between China and Malaysia. Perceived usefulness, perceived security, perceived ease of use and attitude from Theory of Acceptance Model and Theory of Reasoned Action were used to analyse the intention to adopt mobile payment. Based on the results, perceived security seems to differ for the two countries while other factors have similar results. This study will definitely offer a fresh perspective to academics and practitioners in terms of exploring the propect of mobile payment in business trasnsactions.

How Perceived Security Risk Influences Acceptance of Virtual Shopping Walls

Marketing ZFP ◽  
2020 ◽  
Vol 42 (4) ◽  
pp. 35-46
Author(s):  
Steffen Jahn ◽  
Ann-Christin Langer ◽  
Ossama Elshiewy ◽  
Yasemin Boztuğ
Keyword(s):  
Technology Acceptance ◽  
Risk Perceptions ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security Risk ◽  
Perceived Ease Of Use ◽  
Increased Risk ◽  
Perceived Security ◽  
Virtual Shopping ◽  
The Impact

Virtual shopping walls are innovative digital stores that can be placed in highly frequented areas of public transport, such as bus or subway stations. These walls resemble shelves of a stationary supermarket and allow convenient shopping with the smartphone combined with home delivery. The goal of the present research is to shed light on what drives widespread use of this store concept. Complementing traditional models of technology acceptance, this work examines the impact of perceived security risk with special emphasis on its moderating effect on the perceived usefulness-behavioral intention relationship. We find that the intention to use virtual shopping walls is driven by perceived ease of use and perceived usefulness, while perceived security risk acts like a barrier to acceptance. The negative effect of high perceived security risk, however, is mitigated by high perceived usefulness. This means that high perceived usefulness of virtual shopping walls can compensate for increased risk perceptions in a significant way, providing important insights for providers of virtual shopping walls.

The effect of initial trust on user adoption of mobile payment

2011 ◽  
Vol 27 (4) ◽  
pp. 290-300 ◽  
Author(s):  
Tao Zhou
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Initial Trust ◽  
User Adoption ◽  
Perceived Security

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.

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.

scholarly journals What Influences Urbanites’ Mobile Payment Adoption? The Moderating Roles of Demographic Divides

2020 ◽  
Vol 28 (4) ◽  
Author(s):  
Ong Choon Hee ◽  
Koo Nyuk Ying ◽  
Tan Owee Kowang ◽  
Lim Lee Ping
Keyword(s):  
Online Survey ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Factors Influencing ◽  
Perceived Security ◽  
Banking Institutions ◽  
The Government

This study examines the moderating roles of demographic divides, such as gender, income, and education, on factors influencing mobile payment adoption among urbanites in Malaysia. An online survey questionnaire was used for data collection, which yielded 428 responses. PLS-SEM was employed to assess validity, reliability, hypothesis testing, and PLS-MGA of the study constructs. The findings of this paper revealed that perceived security, perceived ease of use, perceived usefulness, and trust were significantly related to mobile payment adoption. Gender, income, and education were found to moderate the results. This research provides important information to service providers, banking institutions, and the government to understand factors influencing mobile payment adoption and consider demographic characteristics of gender, income, and education in mobile payment adoption. This study explains the moderating effects of demographic divides on mobile payment adoption among urbanites that are rarely addressed in Malaysia.

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