Predicting intention to adopt mobile card payment service

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.

Download Full-text

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

Impact of Mobile Services on Business Development and E-Commerce - Advances in Electronic Commerce ◽

10.4018/978-1-7998-0050-7.ch008 ◽

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.

Download Full-text

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.

Download Full-text

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.

Download Full-text

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.

Download Full-text

Identifying the Antecedents of University Students’ Usage Behaviour of Fitness Apps

Sustainability ◽

10.3390/su13169043 ◽

2021 ◽

Vol 13 (16) ◽

pp. 9043

Author(s):

Jo-Hung Yu ◽

Gordon Chih-Ming Ku ◽

Yu-Chih Lo ◽

Che-Hsiu Chen ◽

Chin-Hsien Hsu

Keyword(s):

University Students ◽

Technology Acceptance ◽

Structural Equation ◽

Online Survey ◽

Subjective Norms ◽

Ease Of Use ◽

Perceived Usefulness ◽

Perceived Ease Of Use ◽

Snowball Sampling ◽

Fitness Application

The purpose of the study is to explore the antecedents of university students’ fitness application usage behaviours by combining the theory of planned behaviour and the technology acceptance model. An anonymous questionnaire survey was adopted to address the objectives of the study. Purposive and snowball sampling was used to select eligible students from six universities in Zhanjiang City. An online survey was used to collect data from 634 eligible subjects, and partial least squares structural equation modelling was used to analyse the collected data. The results indicated that the students’ perceived usefulness (β = 0.17, p < 0.05) and perceived ease of use (β = 0.32, p < 0.05) concerning the application and their attitude (β = 0.31, p < 0.05) toward it significantly influenced their usage intentions. Furthermore, perceived usefulness (β = 0.11, p < 0.05) and perceived ease of use (β = 0.38, p < 0.05) fully mediated the relationship between subjective norms and usage intentions. However, subjective norms and perceived behavioural control did not enhance the students’ intentions to use fitness applications. That is, students’ attitudes and fitness application design are the determinants of usage intention. Accordingly, improving students’ fitness applications usage intention requires strategies that involve customised services, social networking, and collaboration with schools; this would further increase students’ engagement in physical exercise.

Download Full-text

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.

Download Full-text

Constituents and Consequences of Online-Shopping in Sustainable E-Business: An Experimental Study of Online-Shopping Malls

Sustainability ◽

10.3390/su10103756 ◽

2018 ◽

Vol 10 (10) ◽

pp. 3756 ◽

Cited By ~ 10

Author(s):

Muhammad Ijaz ◽

Jongtae Rhee

Keyword(s):

Perceived Risk ◽

Structural Equation ◽

Online Survey ◽

Online Shopping ◽

Ease Of Use ◽

Perceived Usefulness ◽

Equation Modeling ◽

Model Matching ◽

Perceived Ease Of Use ◽

Positive Attitudes

With the growth of the internet, electronic (online) business has become an important trend in the economy. This study investigates how retailers could enhance their shopping processes and hence help sustain their e-business development. Therefore, we propose a unified information system-consumer behavior (IS-CB) model for online shopping to analyze factors that impact online shopping. We used an online survey to gather data from 633 online customers to test the theoretical model, matching differences using structural equation modeling. Highly influencing factors for the IS-CB online shopping model included perceived value (PV), perceived risk (PR), social factors (SF), perceived ease of use (PEOU), perceived usefulness (PU), online shopping intention, trust, online shopping experience, actual online shopping purchases, entertainment gratification (EG), website irritation (WI), information design (ID), visual design (VD), and navigation design (ND). This study provides important theoretical and practical implications. PV and trust in online shopping can nurture positive attitudes and shopping intentions among online customers. Well-designed websites produce higher levels of trust and reduced WI. Similarly, online shopping sites with better ID, ND, and VD also reduce WI and increase trust. This study fills gaps in previous studies relating to IS and CB and provides explanations for IS and CB constituent impacts on acceptance and use of online shopping. The proposed unified IS-CB explains consumer online shopping patterns for a sustainable e-business.

Download Full-text

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.

Download Full-text

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

Download Full-text

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

ADVANCES IN BUSINESS RESEARCH INTERNATIONAL JOURNAL ◽

10.24191/abrij.v5i2.9980 ◽

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.

Download Full-text