scholarly journals IMPACT ASSESSMENT OF FACTORS INFLUENCING USER'S CONTINUANCE INTENTION TO USE NEAR FIELD COMMUNICATION (NFC)

2020 ◽  
Vol 12 ◽  
pp. 219-226
Author(s):  
Bhumiphat Gilitwala ◽  
Amit Kumar Nag
Keyword(s):  
Impact Assessment ◽  
Perceived Risk ◽  
Near Field ◽  
Research Paper ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Near Field Communication ◽  
Intention To Use ◽  
Continuance Intention ◽  
Factors Influencing

This research paper intends to determine the factors that influence continuance intention to use NFC for digital mobile payment. The six factors considered in this research are confirmation, perceived usefulness, trust, satisfaction, perceived risk and continuance intention.

Mobile payment adoption process: a serial of multiple mediation and moderation analysis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Wanny Oentoro
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Multiple Mediation ◽  
Content Type ◽  
The Relationship

Purpose Global digital payment transactions increase continuously. Due to the inconsistencies that occurred across the research findings, past researchers have called for further investigation to verify and empirically test the mobile payment acceptance model. The purpose of this paper is to develop an integrative model that is derived from the multiple technology acceptance models (TAM)’s a theoretical framework and past literature to understand how consumers decided to adopt mobile payment. By simultaneously testing mechanisms, namely, ease of use, usefulness and risk, the current study will be able to advance scholarly knowledge of the underlying consumer’s attitude and behavior that link social influence to intention to use. Design/methodology/approach A total of 370 valid responses were collected using self-administered questionnaires distributed via online platforms, a representative for Thai consumers. An ordinary least square regression and bootstrap analyzes were conducted through PROCESS Macro to analyze the moderated serial-multiple mediation model in the consecutive inducing of social influence, perceived ease of use, perceived usefulness and perceived risk toward the consumer’s intention to use mobile payment. Findings Within the context of consumers evaluating a mobile payment, statistics significant were found for the hypothesized direct and indirect effects of perceived ease of use and perceived usefulness on an intention to use. The results showed that Thai consumers’ intention to use mobile payment was significantly affected by their attitudes in terms of usefulness and the less complication in using the applications. It is confirmed that social influence indirectly affects intention to use via the increase of perceived ease of use and perceived usefulness. The study also found a significant interaction between perceived risk and perceived usefulness toward intention to use. Practical implications It is recommended to service providers to continue improving the user-friendliness, navigation, integrity and furnish the system with more value-added activities within the mobile payment application. It is also essential for the company to deliver tutorials and clear and easy-to-follow instructions to customers. At the same time, the marketer should develop marketing strategies to promote the usefulness and simplicity of using the applications to the consumers. When consumers experienced the easiness and usefulness of the applications, these could overcome the resistance feeling to use due to the concern on any potential risk. Originality/value The study contributes to the existing body of knowledge on consumer usage behavior and TAM by integrating all important variables and developed a parsimony framework to explain consumers’ usage adoption on mobile payment. Moreover, the current study was the very first that proposed and tested a serial of multiple mediations of perceived ease of use and perceived usefulness, moderated by perceived risk, in the relationship between social influence and consumers’ intention to use mobile payment and discovered a moderating role of perceived risk toward the relationship between perceived usefulness and mobile payment usage intention.

Financial Experiences, Beliefs, and Near Field Communication Based Mobile Payments Among Young Adults

2020 ◽  
Vol 31 (1) ◽  
pp. 69-82
Author(s):  
Haidong Zhao ◽  
Lini Zhang ◽  
Sophia Anong
Keyword(s):  
Young Adults ◽  
Near Field ◽  
Perceived Usefulness ◽  
Mediating Effect ◽  
Mobile Payment ◽  
Near Field Communication ◽  
Significant Positive Association ◽  
Mobile Payments ◽  
Intention To Adopt ◽  
Nfc Mobile Payment

This study examined a conceptual model on the intention to adopt NFC-based mobile payment that incorporates financial experiences and beliefs. NFC refers to Near Field Communication, a new technology in mobile payments. From an online experimental survey of 463 U.S. young adults, this research found consumers who used cards among their payment methods as opposed to cash-only were less likely to adopt NFC mobile payment. Previous experience in non-NFC mobile payments had a significant positive association with intention to adopt NFC mobile payment. Among the beliefs, consumers with higher trust and higher perceived usefulness about NFC mobile payment had greater intentions to adopt it. Moreover, trust was found to have a mediating effect between non-NFC mobile payment experience and the intention to adopt NFC mobile payment. This study not only provides mobile payment providers with effective marketing strategies to increase consumers' adoption of NFC mobile payment but also provides financial educators with important implications to develop targeted education programs.

Understanding Customer Intention to Use Mobile Payment Services in Nanjing, China

10.31355/22 ◽  
2018 ◽  
Vol 2 ◽  
pp. 049-060 ◽  
Author(s):  
Phuah Kit Teng ◽  
Ting Jenn Ling ◽  
Kelly Wong Kai Seng
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Service Providers ◽  
Subjective Norm ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Mobile Service ◽  
Intention To Use ◽  
Payment Services

NOTE: THIS ARTICLE WAS PUBLISHED WITH THE INFORMING SCIENCE INSTITUTE. Aim/Purpose.............................................................................................................................................................................. This study examines the factors that influence customer intention to use mo-bile payment service in Nanjing, China. It also gains a deeper understanding and better insight of Chinese consumer behavior. Background.............................................................................................................................................................................. Mobile payments services represent a tremendously interesting paradox in the world of telecommunications. Although, they are convenient, quick and easy but there is not still enough evidence on how successful this practice is. In Nanjing, China, consumer intention to use mobile payment is still questionable and remains as a skeptical consideration. Methodology.............................................................................................................................................................................. A survey was conducted in Nanjing, China where 612 respondents were interviewed by self-administrated survey. The modified Theory of Reasoned Action (TRA) and Technology Acceptance Model (TAM) were applied in this study. Descriptive analysis, exploratory factor analysis and multiple regressions were used to accomplish the objective. Contribution.............................................................................................................................................................................. This research provides an insight to the mobile telecommunication industry, marketers, decision makers and academics on the factors that encourage consumers to use mobile payment. Findings.................................................................................................................................................................................... Four factors that influence the consumer behavioral intention were deter-mined in this study (perceived risk, perceived usefulness, subjective norm and attitude). The results of multiple regression indicate that all four variables significantly influence consumer intention to use mobile payment in Nanjing, China, however subjective norm has relatively high impact as compared to others. Recommendations for Practitioners........................................................................................................................................ In order to build a positive expression of the brand, mobile service providers are suggested to enhance the persuasion of the application. As customers provide their privacy information to register for the mobile payment services, providers should strengthen their security system. This not only shapes consumer trust but also prevent privacy leakage. Secondly, mobile payment application providers can imply policies for protecting customer rights from potential risk to increase their agreement of the application. These will lead to unexpected losses financially. Recommendation for Researchers............................................................................................................................................ It is recommended to make a comparison study between two Mobile payment platforms by examining constructs such as usefulness, ease of use, perceived risk as well as security risk, financial risk, social risk and time risk between Alipay and Wechat payment system in China. Impact on Society........................................................................................................................................................................ Various forms of mobile payment have been adopted by Chinese consumers due to convenience, speed and ease of use. Even though mobile payment does not replace physical payment cards but it has been acting as a substitute for paper-based payment method and it is driving demand and consumer usage. However, there the potential for data to leak creates some level of insecurity and skepticism for Chinese costumers. Future Research............................................................................................................................................................................ To have an in depth understanding about the consumer intention to use mobile payment, it is recommended to determine the current customers’ satisfaction level by adopting the SERQUAL model. Qualitative and quantitative research with focus group will be a good approach to get a deeper understanding on the factors that influence consumer to use mobile payment services rather than others payment methods. It is also important to get more information regarding customer satisfaction towards the mobile payment platform.

Assessing the Antecedents of User Intention to Use Mobile Payment Services in the Context of Emerging Markets

2020 ◽  
pp. 144-163
Author(s):  
Sonali Singh ◽  
Luis-Alberto Casado-Aranda ◽  
Iviane Ramos de Luna
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Online Survey ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Intention To Use ◽  
National Capital Region ◽  
User Intention ◽  
National Capital ◽  
Payment Services

There is a growing interest in mobile payment services and its study is gaining popularity around the world. After reviewing literature related to mobile payment services, the current study proposes a conceptual model aiming to identify the main antecedents of user behavioral intention to use mobile payment services in an emerging market such as India. The authors collected data in the Delhi/NCR (national capital region) by means of an online survey technique. A structural equation modeling approach was used to test the proposed hypotheses. The results explain the importance of perceived usefulness, perceived attitude, and personal innovation of users in the use of mobile payment services. Perceived risk is found also relevant and negatively influences user intention to use. The findings of the study provide a background to preceding studies and encourage online businesses to combine this technology-based payment service.

Age-group differences in Near Field Communication smartphone

2014 ◽  
Vol 114 (3) ◽  
pp. 484-502 ◽  
Author(s):  
Pei-Lee Teh ◽  
Pervaiz K. Ahmed ◽  
Soon-Nyean Cheong ◽  
Wen-Jiun Yap
Keyword(s):  
Age Differences ◽  
Design Science ◽  
Near Field ◽  
Perceived Usefulness ◽  
Behavioural Intention ◽  
Group Differences ◽  
Near Field Communication ◽  
Intention To Use ◽  
Age Group ◽  
Content Type

Purpose – The purpose of this paper are twofold: first, develop a novel concept of a mobiquitous home application (Near Field Communication Smartphone Entertainment Systems (NFC SES)) with the use of photo interface and NFC smartphone. Second, examine age-group differences in relation to the influence of intuitive, convenience and perceived usefulness on users’ behavioural intention to use NFC SES. Design/methodology/approach – Using design science research, NFC SES is developed and a survey of 52 users is conducted to evaluate NFC SES. Findings – There are age differences in individual behavioural intention to use NFC technology. Convenience appears to be the primary factor for the youths. The adult cohort, in contrast emphasizes intuitive and perceived usefulness as two significant determinants of their behavioural intention to use NFC SES. Practical implications – This study offers a fresh insight for mobile device manufacturer and application developers to focus their design efforts around three aspects (intuitive, convenience and usefulness) that are desired by different age-group users. Social implications – The development of NFC SES bridges the gap of cyber-physical spaces by enabling users to automate multiple heterogeneous digital appliances without imposing undue technological effort and inconvenience. NFC SES, operating through a touch-driven interaction between NFC smartphone and photo interface, is likely to be useful for many home users, especially for people with disabilities. Originality/value – NFC SES contributes in itself as a novel innovation. Additionally, studies on mobile technology largely focus on students as users, and often neglect the adult segment. This study entails a new model for evaluation of NFC technology, by uncovering age differences impacts on new technology adoption.

To continue or not to continue: a structural analysis of antecedents of mobile payment systems in India

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Prashant Raman ◽  
Kumar Aashish
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Intention To Use ◽  
Payment Systems ◽  
Continuance Intention ◽  
Cross Sectional ◽  
Content Type ◽  
Payment Services

PurposeConsumers in India are increasingly using mobile payment systems (MPSs) to make online and offline payments. Digital payment applications are gradually being used as surrogates for cash, checks and plastic money. The motive behind this research is to analyze the different antecedents that impact the users' willingness to continue using the MPS in India.Design/methodology/approachAn extensive study of the literature review supports the creation of a framework that describes the continuance intention of using MPS. Data from a survey of 612 respondents from India were collected to assess the research model. The study used partial least squares (PLS)–structural equation modeling (SEM) technique to empirically validate the framework developed.FindingsThe outcomes of the research suggest that service quality, attitude, effort expectancy and perceived risk act as influencing antecedents of continuance intention to use MPS. Determinants like perceived trust, convenience and social value have no influence on users' continuance intention. SEM analysis has verified the proposed model, which explains 50.7% of the variance of the users' continuance intention of using MPSs.Research limitations/implicationsThe research is built upon cross-sectional data carried out in India. Hence, the outcomes of the study are limited to this region only.Practical implicationsEngaging with the consumers for a long time and enabling their continuance usage are extremely important for firms offering mobile payment services. The managerial implications provide insights into the different ways to capture new business opportunities to the firms rendering mobile payment services in the wake of changing consumer behavior.Originality/valueThis research tries to analyze users' continuance intention to use MPS in India. Although many research studies have investigated the willingness of the individuals to adopt novel technology in different frameworks, there are hardly any empirical studies carried out to analyze the antecedents of users' continuance intention to use MPSs.

scholarly journals The Effects Of Technology Readiness And Technology Acceptance On Nfc Mobile Payment Services In Korea

2014 ◽  
Vol 30 (6) ◽  
pp. 1615 ◽  
Author(s):  
Seungjae Shin ◽  
Won-jun Lee
Keyword(s):  
Technology Acceptance ◽  
Near Field ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Technology Readiness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Nfc Mobile Payment

<p>The Near Field Communication (NFC) mobile payment is the integration of NFC enabled smartphones and credit/debit/prepaid cards. Korea is a pioneer in rolling out the NFC mobile payment. Global mobile industries pay attention to whether Korean mobile users accept the new payment service. This study investigates the factors for technology acceptance using an integrated model of technology readiness and technology acceptance. Structured equation modeling is used to analyze the collected data. The four constructs of technology readiness (innovativeness, optimism, discomfort, and insecurity) have significant impact on the perceived ease of use and the two technological characteristics of NFC mobile payment (responsiveness and smartness) also have significant impacts on the perceived usefulness. However, only the perceived usefulness affects significantly on the intention to use. The perceived ease of use affects indirectly on the intention to use through the perceived usefulness. The result of this study suggests that to be a successful payment service, the NFC mobile payment service has to be much more focused on the usefulness against other alternative payment methods.</p>

scholarly journals Factors of Adoption Intention for Near Field Communication Mobile Payment

2018 ◽  
Vol 11 (1) ◽  
pp. 98 ◽  
Author(s):  
Sharidzaly Busu ◽  
Norisan Abd Karim ◽  
Haryani Haron
Keyword(s):  
Near Field ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Near Field Communication ◽  
Factors Affecting ◽  
Intention To Adopt ◽  
Quantitative Data Analysis ◽  
Mathematical Sciences ◽  
Adoption Intention

Near field communication mobile payment (NMP) is simple to use and beneficial to consumers, yet its adoption among consumers in Malaysia is still at the beginning stage and the adoption rate is relatively lower compared to other countries in the world. The aim of this study is to identify factors that affect the adoption intention of NMP among consumers in Malaysia, by using Faculty of Computer and Mathematical Sciences (FSKM), UiTM Shah Alam as the case study for this research. The quantitative data analysis approach is used in this study. There were 150 questionnaires analyzed using the SPSS. This research identified three factors that affect the adoption intention of NMP which are perceived usefulness, perceived cost and compatibility. By understanding the factors affecting the intention to adopt NMP, financial technology companies can focus to provide the solutions according to market interest, needs and readiness.

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>

Unveiling the Factors Influencing Consumers' Continuance Intention to Use a Subscription Box

2021 ◽  
Author(s):  
Hania Aminah ◽  
Stephanie Hui Wen Chuah ◽  
Pei Kuan Lin ◽  
Massoud Moslehpour ◽  
Afrizal Firman
Keyword(s):  
Intention To Use ◽  
Continuance Intention ◽  
Factors Influencing
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