An Empirical Study on Users' Continuous Usage Intention of QR Code Mobile Payment Services in China

2018 ◽  
Vol 10 (1) ◽  
pp. 18-33 ◽  
Author(s):  
Shang Gao ◽  
Xuan Yang ◽  
Hong Guo ◽  
Jia Jing
Keyword(s):  
Perceived Risk ◽  
Mobile Payment ◽  
Qr Code ◽  
Research Model ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
Negative Effect ◽  
Payment Services ◽  
Continuous Usage Intention ◽  
Positive Direct

This article aims to investigate users' continuous usage intention of quick response (QR) code mobile payment services in China. Drawing from UTAUT as theory foundation, this study integrates with literature on perceived risk and involvement to propose a research model and seven research hypotheses to examine user's continuous usage of QR code mobile payment services. The research model was empirically tested with a sample of 215 users of QR code mobile payment services in China. The results indicated that five of seven research hypotheses were significantly supported. According to the results, performance expectancy, effort expectancy and social influence had significant positive direct impacts on users' continuous usage intention of QR code mobile payment services. However, perceived risk did not have a negative effect on users' continuous usage intention of QR code mobile payment services. This article contributes to the existing literature on continuous usage of mobile payment services.

Evaluating the Effects of Facilitating Conditions and Usage Experience on Mobile Payment

2021 ◽  
Vol 13 (4) ◽  
pp. 88-106
Author(s):  
Ling Long Tsai
Keyword(s):  
Online Survey ◽  
Mobile Payment ◽  
Research Model ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
And Performance ◽  
Facilitating Conditions ◽  
Major Factors ◽  
The Relationship

The following research attempts to investigate the determinants influencing consumers' intention to adopt mobile payment (MP). The research model was adapted based on three constructs from the unified theory of acceptance and use of technology (UTAUT), including performance expectancy, effort expectancy, and facilitating conditions in the research model. In addition, usage experience was also added to the model to test for moderating effect. An online survey conducted through Taiwanese chat rooms resulted in 348 valid responses, which were analyzed using Smart PLS. Results indicated that (1) effort expectancy, performance expectancy, and facilitating conditions were three major factors influencing intention to use mobile payment; (2) facilitating conditions played a significant role in impacting effort expectancy and performance expectancy; (3) usage experience positively moderated the relationship between facilitating conditions and performance expectancy; and (4) usage experience also positively moderated the relationship between facilitating conditions and effort expectancy.

scholarly journals Factors Influencing Customers Acceptance of Using the QR Code Feature in Offline Merchants for Generation Z in Bandung (Extended UTAUT2)

2020 ◽  
Author(s):  
Aulia Tiara Imani ◽  
Achmad Herlanto Anggono
Keyword(s):  
Behavioral Intention ◽  
Perceived Risk ◽  
Mobile Payment ◽  
Target Market ◽  
Qr Code ◽  
Actual Usage ◽  
Performance Expectancy ◽  
Generation Z ◽  
And Performance ◽  
Facilitating Conditions

Mobile payment services is happening in Indonesia are shifting to support the cashless society future supported by the many tech-savvy consumers in Indonesia. The leading mobile payment players, namely Go-Pay, OVO, DANA, LinkAja, etc. began to expand their target market network by adding the QR Code feature to perform transactions in offline merchants. With the offering transactions of cashbacks, the consumer will more likely to adopt the QR Code because the promotion can only be obtained by making offline transactions at several affiliated merchants. The purpose of this study is to identify the factors that can influence the behavioral intention and the actual usage for using the QR Code feature in mobile payment to perform transactions in offline merchants. This study will also identify the extent to which the actual usage of the QR Code feature can contribute to the National Non-Cash Movement (GNNT), starting from the scope of generation Z in Bandung. This study will be conducted by using Extended UTAUT2 with nine independent variables of Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Facilitating Conditions (FC), Hedonic Motivation (HM), Price Value (PV), Habit (HT), Trust (T), and Perceived Risk (PR). These variables will be tested to the Behavioral Intention (BI) and also Actual Use (AU). The result indicates that the Habit is the most significant factors to influence Behavioral Intention. While the others, namely Behavioral Intention, Facilitating Conditions, Hedonic Motivation, and Performance Expectancy influence to Actual Usage and Behavioral Intention. Keywords: Mobile Payment, QR Code in Offline Merchants, Generation Z, Extended UTAUT2

scholarly journals Understanding FinTech Platform Adoption: Impacts of Perceived Value and Perceived Risk

2021 ◽  
Vol 16 (5) ◽  
pp. 1893-1911
Author(s):  
Jianli Xie ◽  
Liying Ye ◽  
Wei Huang ◽  
Min Ye
Keyword(s):  
Perceived Risk ◽  
Perceived Value ◽  
Future Research ◽  
It Adoption ◽  
Performance Expectancy ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Adoption Research ◽  
Adoption Intention ◽  
Core Construct

FinTech platforms are one of the most important elements in the rapidly digitized world’s economy. This study investigates the factors that affected individuals’ acceptance of FinTech services, especially on internet wealth management platforms. The current research extends the unified theory of acceptance and use of technology (UTAUT) published by MIS Quarterly with integrated financial consumption attributes (i.e., perceived value and perceived risk) alongside the core construct of UTAUT. Data were collected from an established survey company. The empirical results indicate that perceived value, perceived risk, and social influence are strongly related to individuals’ FinTech adoption intention, whereas performance expectancy, effort expectancy, and perceived risk affect individuals’ perceived value, which in turn influences adoption intention. The proposed FinTech adoption model could contribute to information technology (IT) adoption research by extending the UTAUT in which individuals’ performance expectancy and effort expectancy affect their adoption intention indirectly through perceived value. Finally, the implications of the proposed new model for future research and FinTech practice are discussed.

The diffusion of mobile QR-code payment: an empirical evaluation for a pandemic

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Xuan Cu Le
Keyword(s):  
Behavioral Intention ◽  
Self Efficacy ◽  
Service Providers ◽  
Empirical Evaluation ◽  
Qr Code ◽  
Related Factors ◽  
Content Type ◽  
Perceived Severity ◽  
Performance Expectancy ◽  
Effort Expectancy

PurposeThe research purpose is to explore the diffusion of mobile QR-code payment (MQP) in a coronavirus disease (COVID-19) context by formulating a behavioral response model based on an integration between protection motivation theory (PMT) and unified theory of acceptance and use of technology (UTAUT). This study also investigates the importance of physical distancing norm for behavioral intention toward MQP.Design/methodology/approachA web-based survey was designed and data were accumulated from 411 validated respondents who have used MQP or tend to utilize it in Vietnam. Statistical analysis was conducted using SPSS and AMOS to verify the hypotheses.FindingsResults illustrated that behavioral intention is motivated by key antecedents of PMT (including perceived severity, perceived susceptibility and self-efficacy) and important factors of UTAUT (including performance expectancy, effort expectancy and social influence), and physical distancing norm. Moreover, perceived severity promotes performance expectancy, whereas self-efficacy boosts effort expectancy in MQP. Lastly, behavioral intention and recommendation were indicators of the diffusion of MQP under COVID-19.Practical implicationsMQP is just in its infant stage in Vietnam; thus, the findings provide managerial implications, which will aid service providers and firms to adopt marketing strategies that enhance consumers' acceptability and recommendation of MQP to the public.Originality/valueLittle is empirically considered the effects of perceived threat-related factors in PMT and physical distancing norm on behavioral intention toward MQP in a salient pandemic setting. Furthermore, the antecedents in UTAUT contribute greatly to behavioral intention. This study enlightens the diffusion of MQP based on behavioral intention and recommendation.

Post-purchase behaviour from customer perceived value of mobile payment services

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ming-Hsiung Hsiao
Keyword(s):  
Perceived Risk ◽  
Perceived Value ◽  
Behavioural Intention ◽  
Mobile Payment ◽  
Research Model ◽  
Data Set ◽  
Content Type ◽  
Utilitarian Value ◽  
The Difference ◽  
Post Purchase

Purpose Mobile payment (MP), near field communication-based particularly, has become one of the future payment tools. This study aims to indicate the difference between consumer users and non-users by examining the effect of MP users’ perceived value on their satisfaction and on MP non-users behavioural intention. Once those MP users’ have achieved satisfaction, the study then investig ates how consumers bring about the need recognition and are more desirable to buy more products. Design/methodology/approach This study develops a research model, which examines the effect of consumer perceived value, including utilitarian value, technicality and perceived risk, on MP users’ satisfaction and MP non-users behavioural intention. In methodology, it adopts structural equation modelling to verify the proposed research model for empirical studies. The data set consists of 161 MP users and 277 non-users of consumers. Findings The findings show that consumers, both MP users and non-users included, are encouraged to improve utilitarian value if they are favourable to adopt MP services. Relatively, female users emphasize more on perceived risk, whilst male users emphasize more on technicality. Moreover, MP non-users and female users still have much concern about perceived risk such that they are inclined to avoid adopting MP services. Originality/value Past research has examined the adoption of MP services from the perspective of consumers with a focus on the perceived value, satisfaction and behavioural intention. However, only limited research examined the post-purchase evaluation of MP users. The study fills this gap by clarifying the difference between consumer users and non-users in the effect of MP users’ perceived value on their satisfaction and on their non-users behavioural intention.

Examining Teachers Acceptance of Exam Building Crowdsourcing Platform through the Utaut Model: The Case of Krumun.Org

2021 ◽  
Vol 12 (3) ◽  
pp. 2841-2851
Author(s):  
Khalizul Khalid Et.al
Keyword(s):  
Behavioral Intention ◽  
New Technology ◽  
Scaling Up ◽  
Assessment Instruments ◽  
Unified Theory ◽  
Research Model ◽  
Utaut Model ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
Facilitating Conditions

The 21st-century learning demands for teachers to become a central agent in fostering various skills to students. Concurrently, teachers were also encouraged to utilize ICT in scaling up learning quality. In support of this initiative, this study introduced a crowdsourcing platform called Krumun.org developed specifically for Malaysian teachers. This exam-building crowdsourcing platform enables teachers to create, edit, and share assessment instruments. However, whether teachers will use the platform will depend on their acceptance of this new technology. Therefore, the main objective of the study is to determine teachers' acceptance factors in regards to the use of this crowdsourcing platform through the Unified Theory of Acceptance Use Technology (UTAUT) model. Questionnaires were distributed to 155 teachers who participated in Krumun.org trial launch. Partial least squares (PLS) was employed to analyze the research model through Smart-PLS 3. It is conclusive that performance expectancy (PE), self-efficacy (SE), and facilitating conditions (FC) affect behavioral intention to accept the crowdsourcing platform, Krumun.org. However, there was not enough evidence to support Effort Expectancy. Therefore, to increase the number of teachers utilizing this platform, these three factors should be prioritized. The findings of the study could also be of assistance to any related party that was planning to introduce new technology to teachers.

The Factors Influencing Taxpayers' Acceptance of E-Taxation System

2015 ◽  
pp. 105-121
Author(s):  
Adnan Gercek ◽  
Tolga Demirbas ◽  
Filiz Giray ◽  
Ayse Oguzlar ◽  
Mehmet Yuce
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Model Performance ◽  
Equation Modeling ◽  
Intention To Use ◽  
Government Services ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
Facilitating Conditions ◽  
Taxation System

E-taxation is one of the most popular e-government services. Most countries are focused on implementing an e-taxation system. The success of an e-taxation system depends on the taxpayers' acceptance of it. The taxpayers' intention to use an e-taxation system is determined by various factors. This chapter, based on empirical data collected from a survey of 505 respondents in Turkey, seeks to identify the factors that influence the taxpayers' acceptance of e-taxation system. It test various constructs of the UTAUT model – performance expectancy, trust perception, perceived risk, effort expectancy and facilitating conditions – on Turkish taxpayers' intention to use the e-taxation system. Structural equation modeling is used to analyze the effects of these variables on intention to use. The results indicate that performance expectancy and perceived risk have a significant impact on behavioral intention and that effort expectancy and facilitating conditions have a significant impact on intention to use.

Impact of demonetization on diffusion of mobile payment service in India

2019 ◽  
Vol 16 (4) ◽  
pp. 472-497 ◽  
Author(s):  
Neharika Sobti
Keyword(s):  
Behavioral Intention ◽  
Perceived Risk ◽  
Partial Least Square ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Content Type ◽  
Utaut Model ◽  
Payment Services ◽  
Facilitating Conditions ◽  
The Impact

PurposeThe purpose of this paper is to explore the antecedents of the behavioral intention and adoption of mobile payment services like m-wallets and m-banking by users in India. This is done by examining the diffusion of mobile payment technology within an extended framework of the Unified Theory of Acceptance and Use of Technology (UTAUT) model. The study attempts to extend the UTAUT model further by introducing three more constructs, namely- perceived cost, perceived risk and demonetization effect and analyzes the impact of demonetization that happened in India from November 8, 2016 to December 30, 2016 on the mobile payment service adoption process. Demonetization event is a case in point to assess whether forced adoption breaks the normal diffusion process or lends support to the same in the long term.Design/methodology/approachA survey was conducted in order to gauge the intention behind the adoption of mobile payment modes by users in India. The questionnaire was administered online solely and 880 responses were received within a period of 20 days from February 3, 2017, to February 23, 2017, using Google Forms as a medium. Usable responses were 640. The study adopted partial least square based structural equation modeling (PLS-SEM) technique to analyze the relation between latent variables: performance expectation, effort expectation, social influence, facilitating conditions, perceived cost, perceived risk, demonetization effect, behavioral intention and usage. For this purpose, SmartPLS3.0 software was used to create path diagrams and calculate estimate the significance of factor loadings using the bootstrap technique.FindingsThe key results indicates that behavioral intention, demonetization and facilitating conditions have a positive and significant impact on the adoption of mobile payment services in India. Overall, Model 3, which was extended UTAUT model, was observed to be a better model in explaining the antecedents of behavioral intention and usage. In addition to UTAUT antecedents, perceived cost and perceived risk proved to have additional explanatory power as antecedents of behavioral intention. Age acts as a moderating variable consistently across three models, implying that younger users give more importance to effortless interface of mobile payment services and get more influenced by peers and society that shapes their intention to use mobile payment services.Originality/valueIt is first of its kind attempt to assess the role of Demonetization in examining the antecedents of behavioral intention and adoption of mobile payment services by users in India under an extended UTAUT model. This study comprehensively examined the impact of forced adoption of mobile payment services by users in India in a natural setting provided by demonetization event that took place in India by conducting a primary survey right itself in the month of February, 2017 to get first hand response from the Indian users.

Drivers and Inhibitors of Mobile-Payment Adoption by Smartphone Users

2012 ◽  
Vol 8 (3) ◽  
pp. 50-67 ◽  
Author(s):  
Pavel Andreev ◽  
Nava Pliskin ◽  
Sheizaf Rafaeli
Keyword(s):  
Perceived Risk ◽  
Negative Impact ◽  
Positive Impact ◽  
Conceptual Modeling ◽  
Location Based Services ◽  
Mobile Payment ◽  
Research Model ◽  
Mobile Location ◽  
Smart Mobile ◽  
Conceptual Research

The widespread penetration of smart mobile devices has facilitated rapid growth of mobile location-based services (LBS), which provide users with a variety of benefits and are attractive from a marketing perspective. However, mobile-payment (M-Payment) adoption by users has been below expectations. For better understanding of drivers and inhibitors of the willingness to M-Pay for mobile LBS, this study contributes by conceptual modeling and empirical assessment of user willingness to M-Pay. To test the proposed conceptual research model, data from 122 valid responses were analyzed by employing the Partial Least Squares (PLS) technique. The findings show that Perceived Risk is the main inhibitor of user willingness to M-Pay for LBS and that the magnitude of this inhibitor’s negative impact is at least twice the magnitude of any driver’s positive impact.

scholarly journals ANALISIS NIAT PERILAKU PENGGUNAAN E-MONEY BERBASIS CHIP MENGGUNAKAN MODEL MODIFIKASI UTAUT (STUDI KASUS PADA PENGGUNA FLAZZ E-MONEY DI KOTA BANDUNG)

2019 ◽  
Vol 3 (5) ◽  
pp. 614-627
Author(s):  
Nauval Nurvian Mugni ◽  
Brady Rikumahu
Keyword(s):  
Social Influence ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Performance Expectancy ◽  
Effort Expectancy

Flazz merupakan e-money yang diciptakan oleh bank BCA. Jumlah pengguna Flazz dari tahun ke tahun meningkat, namun faktanya jumlah transaksi Flazz masih minim apabila dibandingkan dengan alat elektronik lainya. Selain itu tingkat awareness e-money di Kota Bandung masih minim dibandingkan dengan Jakarta, Medan, dan Semarang. Tujuan penelitian ini adalah untuk mengetahui faktor yang mempengaruhi niat perilaku penggunaan Flazz di Kota Bandung dengan menggunakan Model UTAUT yang dimodifikasi oleh penelitian Abrahao et al pada tahun 2016. Metode penelitian ini adalah metode kuantitatif, teknik analisis data yaitu teknik analisis deksriptif menggunakan SEM-PLS dengan 400 sampel.   Hasil yang didapat yaitu performance expectancy, effort expectancy, dan social influence berpengaruh positif dan signifikan terhadap behavioral intention. Perceived risk berpengaruh negatif dan signifikan terhadap behavioral intention dan perceived cost berpengaruh negatif namun tidak signifikan terhadap behavioral intention pada pengguna Flazz e-money di Kota Bandung.

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