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

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.

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Predicting intention to adopt mobile card payment service

Family and Environment Research ◽

10.6115/fer.2020.035 ◽

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.

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

International Journal of Community Development and Management Studies ◽

10.31355/22 ◽

2018 ◽

Vol 2 ◽

pp. 049-060 ◽

Cited By ~ 1

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.

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

International Journal of Bank Marketing ◽

10.1108/ijbm-04-2020-0167 ◽

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.

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A Comparative Study of Current and Potential Users of Mobile Payment Services

SAGE Open ◽

10.1177/2158244016675397 ◽

2016 ◽

Vol 6 (4) ◽

pp. 215824401667539 ◽

Cited By ~ 9

Author(s):

Chanchai Phonthanukitithaworn ◽

Carmine Sellitto ◽

Michelle W. L. Fong

Keyword(s):

Perceived Risk ◽

Structural Equation ◽

Subjective Norms ◽

Ease Of Use ◽

Equation Modeling ◽

Mobile Payment ◽

Future Research ◽

Intention To Use ◽

Data Set ◽

Payment Services

Previous studies of mobile payment (m-payment) services have primarily focused on a single group of adopters. This study identifies the factors that influence an individual’s intention to use m-payment services and compares groups of current users (adopters) with potential users (non-adopters). A research model that reflects the behavioral intention to use m-payment services is developed and empirically tested using structural equation modeling on a data set consisting of 529 potential users and 256 current users of m-payment services in Thailand. The results show that the factors that influence current users’ intentions to use m-payment services are compatibility, subjective norms, perceived trust, and perceived cost. Subjective norms, compatibility, ease of use, and perceived risk influenced potential users’ intentions to use m-payment. Subjective norms and perceived risk had a stronger influence on potential users, while perceived cost had a stronger influence on current users, in terms of their intentions to use m-payment services. Discussions, limitations, and recommendations for future research are addressed.

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

International Journal of Marketing Studies ◽

10.5539/ijms.v8n1p117 ◽

2016 ◽

Vol 8 (1) ◽

pp. 117 ◽

Cited By ~ 11

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>

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Exploring Determinants Influencing the Intention to Use Mobile Payment Service

International Journal of Customer Relationship Marketing and Management ◽

10.4018/jcrmm.2011100102 ◽

2011 ◽

Vol 2 (4) ◽

pp. 17-37 ◽

Cited By ~ 1

Author(s):

Amira F. A. Mahran ◽

Hala M. Labib Enaba

Keyword(s):

Online Survey ◽

Service Providers ◽

Behavioral Control ◽

Mobile Services ◽

Perceived Usefulness ◽

Mobile Payment ◽

Perceived Behavioral Control ◽

Intention To Use ◽

Proposed Model ◽

Egyptian Culture

Mobile services are becoming increasingly commonplace in everyday life; however, Mobile payment (M-payment) is not among frequently used mobile services. The slowness of the diffusion of this service is the point of departure of the current research. The authors discuss why consumers are slow in adopting M-payment service and develop a proposed model that measures the customer’s attitude and intention to use this technology in Egypt. Different theories from diverse fields are reviewed to formulate the study’s conceptual framework. Empirical data were collected via an online survey for a sample of 490 students in “open education”, a type of e-distance learning. The results suggest that although the most important determinants influencing the customer’s attitude toward the service are perceived behavioral control and perceived usefulness, those influencing the intention to use it are perceived innovativeness, perceived expressiveness, facilitating condition, perceived usefulness, and social pressure. The results of the research differ from those of previous studies because of the effect of the Egyptian culture. Service providers can benefit from the results when formulating the marketing strategies to increase the usage of this service, improving mobile commerce.

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

The Bottom Line Managing Library Finances ◽

10.1108/bl-09-2020-0059 ◽

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.

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Exploring Determinants Influencing the Intention to Use Mobile Payment Service

Managing Customer Trust, Satisfaction, and Loyalty through Information Communication Technologies ◽

10.4018/978-1-4666-3631-6.ch017 ◽

2013 ◽

pp. 288-309

Author(s):

Amira F. A. Mahran ◽

Hala M. Labib Enaba

Keyword(s):

Online Survey ◽

Service Providers ◽

Behavioral Control ◽

Mobile Services ◽

Perceived Usefulness ◽

Mobile Payment ◽

Perceived Behavioral Control ◽

Intention To Use ◽

Proposed Model ◽

Egyptian Culture

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Predicting mobile network operators users m-payment intention

European Business Review ◽

10.1108/ebr-10-2019-0263 ◽

2020 ◽

Vol ahead-of-print (ahead-of-print) ◽

Cited By ~ 2

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.

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Citizen Perceptions of E-Government in the Kurdistan Region of Iraq

Australasian Journal of Information Systems ◽

10.3127/ajis.v19i0.1201 ◽

2015 ◽

Vol 19 ◽

Cited By ~ 2

Author(s):

Khosro Mohammad Ahmed ◽

John Campbell

Keyword(s):

Perceived Risk ◽

Structural Equation ◽

Information Quality ◽

Ease Of Use ◽

Perceived Usefulness ◽

Capital City ◽

Intention To Use ◽

Kurdistan Region ◽

Government Services ◽

Self Rule

Despite increasing investment by governments globally, citizens in some countries are less willing to engage with e-government innovations. While previous studies have examined what might encourage citizens to adopt e-government services more broadly, further research is required to understand those factors that impede or enable e government adoption in countries that have, or are in the process of, transitioning to democratic self-rule. This study is the first to investigate citizen attitudes to e-government adoption in the Kurdistan Region of Iraq and thus provides insight into the factors affecting the adoption of e-government within an emerging democratic state. This study also distinguishes between two types of e-government services; informational and transactional. Thus a research model with two elements is developed and tested; one for intention to use informational e government and one for intention to use transactional e-government. Data were collected through a survey administered to university students and non-academic employees in Arbil the capital city of Kurdistan, and analysed using structural equation modelling. Perceived usefulness, social influence, trust in government and perceived risk were found to be significantly and directly associated with the intention to use both kinds of e-government services. However perceptions of ease of use, information quality and trust in the Internet were not significant.

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