Factors Affecting the Adoption of Mobile Payment Systems: An Empirical Analysis

The world witnessed a rapid growth in the e-commerce in the recent years. Widespread use of mobile devices in the e-commerce has a role in this augmentation. Associated with growth of trading volume and the introduction of new devices, new products and solutions emerge and they diversify concerning online payments. Consumer attitudes and behaviors may change according to these developments. The purpose of this study is to investigate the factors effecting adoption of mobile payment systems by the consumer. 225 individuals were surveyed online through convenience sampling method. A research model was developed and proposed relationships were tested using structural equation modeling. The empirical findings point out that perceived trust, perceived mobility and attitudes positively affect the adoption of MPS; perceived usefulness and perceived ease of use have no effect on adoption of MPS. Furthermore perceived reputation positively related to perceived trust and finally environmental risk negatively related to perceived trust.

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Factors Affecting Mobile Payment Adoption Intention: An Indian Perspective

Global Business Review ◽

10.1177/0972150918757870 ◽

2018 ◽

Vol 19 (3_suppl) ◽

pp. S72-S89 ◽

Cited By ~ 31

Author(s):

Amit Shankar ◽

Biplab Datta

Keyword(s):

Technology Acceptance ◽

Structural Equation ◽

Positive Impact ◽

Ease Of Use ◽

Perceived Usefulness ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Factors Affecting ◽

User Centric ◽

Adoption Intention

This study aims to identify the factors affecting mobile payment (m-payment) adoption intention in India by proposing a conceptual framework based on technology acceptance model (TAM). In addition to construct of TAM, four user-centric constructs have been added to evaluate m-payment adoption intention in India. The proposed research framework was empirically tested by data collected from 381 potential m-payment service users, through online and offline survey. Data were analysed using structural equation modelling (SEM) technique. The results exhibit that perceived ease of use (PEOU), perceived usefulness (PU), trust, and self-efficacy (SE) have a significant positive impact on m-payment adoption intention. However, subjective norms (SN) and personal innovativeness (PI) have no significant impact on m-payment adoption intention. Findings of the study have important theoretical and practical implications, particularly to understand important user-centric factors affecting m-payment adoption.

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An Exploration of Pre-Service Teachers' Intention to Use Mobile Devices for Teaching

International Journal of Mobile and Blended Learning ◽

10.4018/ijmbl.2015070101 ◽

2015 ◽

Vol 7 (3) ◽

pp. 1-17 ◽

Cited By ~ 8

Author(s):

Jung Won Hur ◽

Ying W. Shen ◽

Ugur Kale ◽

Theresa A. Cullen

Keyword(s):

Mobile Devices ◽

Structural Equation ◽

Online Survey ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Factors Affecting ◽

The Us

Teachers in the US have been increasingly adopting mobile devices for teaching, but little research has examined how pre-service teachers perceive mobile device integration in classrooms. To address this issue, the study developed a research model that explained factors affecting pre-service teachers' intention to use mobile devices and the relationship among the factors. A total of 386 pre-service teachers participated in an online survey, and the model was tested using structural equation modeling. The results showed that 72.5% of variances in pre-service teachers' intention to use mobile devices were explained by perceived usefulness and self-efficacy for technology integration jointly, where perceived usefulness was the strongest predictor. The findings also demonstrated that constructivist beliefs and perceived ease of use indirectly influenced pre-service teachers' intention to use mobile devices for teaching.

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The role of workers' perceptions towards the uncertain result of ergonomic program

Uncertain Supply Chain Management ◽

10.5267/j.uscm.2021.6.004 ◽

2021 ◽

Vol 9 (3) ◽

pp. 569-576 ◽

Cited By ~ 1

Author(s):

Anizar Anizar ◽

Abdul Rahim Matondang ◽

Rizabuana Ismail ◽

Nazaruddin Matondang

Keyword(s):

Technology Acceptance ◽

Palm Oil ◽

Structural Equation ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Perceived Ease Of Use ◽

Perceived Trust ◽

Ergonomic Program

Manual activities of workers in palm oil factories cause pain complaints that can be resolved with an ergonomic program. However, the uncertainty of the success of the ergonomic program requires active involvement from workers. This study aims to discuss the role of workers’ perceptions towards the success of the ergonomic program intervention in palm oil mills. By referring to the theory of reasoned action and technology acceptance model, acceptance of workers to ergonomics programs are influenced by perceived usefulness, perceived ease of use, and perceived trust. All these research variables were analyzed simultaneously using Partial Least Squares Structural Equation Modeling (PLS-SEM) software, in which data were obtained from questionnaires given to 280 people working in 20 palm oil mills in North Sumatra Province. The sampling method used is simple random sampling and model estimation is performed using PLS regression algorithm and resampling bootstrapping method. The result shows that perceived usefulness has the biggest effect on the success of the ergonomic program, followed by perceived trust and perceived ease of use, which has a smaller effect. This study focuses on workers’ perception that needs to be considered for facing uncertain results in implementing an ergonomic program.

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The effect of initial trust on user adoption of mobile payment

Information Development ◽

10.1177/0266666911424075 ◽

2011 ◽

Vol 27 (4) ◽

pp. 290-300 ◽

Cited By ~ 42

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.

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Understanding the insight of factors affecting mHealth adoption

International Journal of Research in Business and Social Science (2147-4478) ◽

10.20525/ijrbs.v8i6.522 ◽

2019 ◽

Vol 8 (6) ◽

pp. 181-200 ◽

Cited By ~ 1

Author(s):

Md. Abdul Kaium ◽

Yukun Bao ◽

Mohammad Zahedul Alam ◽

Najmul Hasan ◽

Md. Rakibul Hoque

Keyword(s):

Structural Equation ◽

Resistance To Change ◽

Survey Methods ◽

Population Sample ◽

Influential Factors ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Perceived Ease Of Use ◽

Factors Affecting

Numerous studies have addressed the different context of mHealth services among diverse user groups. But due to a lack of understanding the insight of factors affecting the mHealth adoption, it’s crucial need to conduct a systematic review on this issue. The objective of this study was to synthesize the present understanding of the influential factors of mHealth adoption. We performed a systematic literature search on eight electronically reputed scientific databases from 2010 to March 2019, such as Science Direct, Springer, IEEE Xplore, JMIR, Taylor & Francis, Emerald, Mary Ann Liebert and Google Scholar. This was accomplished by gathering data including authors, countries, years, target population, sample size, models/theories, and key influential factors. Primarily, a total of 2969 potentially relatable papers were found, of which 50 met the inclusion criteria. It was found that cross-sectional approach, survey methods and structural equation modeling (SEM) were the most explored research methodologies whereas PLS-SEM was found to be the largest used analysis tools. From the analysis, a total of ninety-four influential factors were clearly recognized and the findings represent that the following 15 factors appeared most recurrently and significantly; perceived usefulness, perceived ease of use, social-influence, subjective norms, self-efficacy, trust, facilitating conditions, technology anxiety, performance expectancy, effort expectancy, cost, attitude, resistance to change, perceived privacy and security, and perceived behavioral control. The research results have significant theoretical and practical implications for mHealth services providers, researchers and policy makers with regards to the Sustainable Development Goals (SDGs) allied to healthcare.

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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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Exploring Consumers’ intention to adopt Mobile Payment system in Ghana

International Journal of E-Services and Mobile Applications ◽

10.4018/ijesma.2022010108 ◽

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

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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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Will proximity mobile payments substitute traditional payments? Examining factors influencing customers' switching intention during the COVID-19 pandemic

International Journal of Bank Marketing ◽

10.1108/ijbm-06-2021-0284 ◽

2022 ◽

Vol ahead-of-print (ahead-of-print) ◽

Author(s):

Hong-Lei Mu ◽

Young-Chan Lee

Keyword(s):

Structural Equation ◽

Study Data ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Content Type ◽

Mobile Payments ◽

The Relationship

PurposeThe objective of this study is twofold: first, to investigate the determinants of customers' switching intention from traditional payments to proximity mobile payments (PMPs) during the COVID-19 pandemic for specific insight on how these factors shape customers' switching intentions; second, this study discusses the relationship between traditional payments and PMP services.Design/methodology/approachThe study data were collected from individual customers who used both traditional payments and PMP in a physical store during the COVID-19 pandemic. Structural equation modeling (SEM) was applied to analyze the validity of the variables and the causal relationships among variables based on 305 valid data.FindingsThe results show that the factor of traditional payments, that is, dissatisfaction positively and significantly influenced customers' switching intention. Factors of PMP, namely perceived usefulness (PUF) and perceived ease of use (EOU), positively and significantly impacted switching intention. In addition, the relationship between traditional payments and PMP, that is, low perceived substitutability was found to negatively influence switching intention, PUF and EOU.Research limitations/implicationsFirst, the study targets are customers with experience in using PMP after the COVID-19 pandemic. It is suggested to compare customers who had experience using PMP before and after the COVID-19 pandemic. Second, although cash and bank cards belong to the category of traditional payments, they have different degrees of contact when transactions occur. The contact rate of bank cards is lower than that of cash. This study did not differentiate between cash and bank cards, which is the main limitation.Originality/valueFirst, this study provides a reference to examine mobile payment usage from the perspective of both incumbent and alternative services conjointly under emergency situations, especially during the COVID-19 pandemic. Second, the application of migration theory to the context of mobile payment extends existing research on mobile payment. Third, this study is among the first to investigate the relationship between traditional payments and PMP.

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The continuance usage intention of Alipay

The Bottom Line Managing Library Finances ◽

10.1108/bl-07-2019-0097 ◽

2019 ◽

Vol 32 (3) ◽

pp. 211-229 ◽

Cited By ~ 4

Author(s):

Abul Khayer ◽

Yukun Bao

Keyword(s):

Structural Equation ◽

Integrated Model ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Mobile Payment ◽

Perceived Ease Of Use ◽

Continuance Intention ◽

Content Type ◽

Map Analysis

Purpose The purpose of this paper is to examine the continuance intention of Alipay by proposing an integrated model. This paper highlights how the capacity of providing context-based information to the users plays significant role in determining the continuance intention of mobile payment like Alipay. Design/methodology/approach Data are collected from 336 Alipay users from Wuhan, P.R. China. To analyze the data, the authors apply structural equation modeling approach. Also, the authors perform importance-performance map analysis (IPMA) to identify the critical factors in explaining the continuance intention of Alipay. Findings The results of the study reveal that confirmation and perceived usefulness significantly influence the continuance intention of Alipay through satisfaction. Also, perceived usefulness, satisfaction, context and ubiquity have direct impact on the continuance intention of Alipay through attitude. According to IPMA, perceived ease of use, confirmation and context require special managerial consideration to improve their performance. Originality/value This research has proposed and validated an integrated model by incorporating context-awareness theory and technology continuance theory. This study provides significant insights that can assist respective decision-makers to formulate/adjust their strategies related to the retention of the existing users of mobile payment like Alipay.

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