mobile payment social influence perceived usefulness
214636115
The Effects Of Compatibility, Social Influence, And Perceived Ease Of Use On Perceived Usefulness Of Mobile Payment Services
The use of mobile phones for the provision of digital financial services in developing countries like Ethiopia is with an increased level of importance mainly in communities that are either unbanked or under banked. There are several factors that influence user's perception towards the usefulness of mobile payment services, among which perceived compatibility, social influence and perceived ease of use on the usefulness have taken the attention of the researchers. Accordingly, the study aimed at examining the effect of mobile payment services' perceived compatibility, social influence and perceived ease of use on the usefulness of mobile payment services. The data for the study were collected from 406 active M BIRR and HelloCash MPS users through a questionnaire. The collected data fit the requirements for SEM; the study results indicate that perceived compatibility (COMP) social influence (SI) and perceived ease of use (PEOU) influence significantly the perceived usefulness (PU) of mobile payment systems (MPS)
Didha Bacha Moti Nidhi Walia
199180373
Pengaruh Social Influence, Perceived Usefulness, Dan Perceived Security Terhadap Continue Use Intention Aplikasi Mobile Payment Ovo Melalui Attitude Towards Using Mobile Payment Sebagai Variabel Intervening Di Kalangan Mahasiswa Fakultas Bisnis Dan Ekonomi Universitas Kristen Petra
Penelitian ini bertujuan untuk mengetahui tingkat adopsi penggunaan Mobile Payment OVO di kalangan mahasiswa Fakultas Bisnis dan Ekonomi Universitas Kristen Petra. Jenis penelitian ini menggunakan jenis penelitian kuantitatif. Sample yang digunakan adalah sebanyak 113 responden yang adalah mahsiswa Fakultas Bisnis dan Ekonomi Universitas Kristen Petra. Data dikumpulkan dengan menggunakan teknik purposive sampling dan dengan instrumen angket. Data diolah menggunakan pendekatan persamaan model struktural dengan teknik Partial Least Square. Hasil penelitian ini adalah terdapat pengaruh Social Influence dan Attitude Towards Using Mobile Payment pada Continue Use Intention aplikasi mobile payment OVO di kalangan mahasiswa Fakultas Bisnis dan Ekonomi Universitas Kristen Petra.
Steven Hadikusuma Ferry Jaolis
201243754
Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence
Abstract Potential for the use of mobile wallet is enormous and it is drawing attention as an alternative mode of payment worldwide. The present research aims to provide important insights into the TAM (Technology Acceptance Model) and UTAUT2 (Unified Theory of Acceptance and Use of Technology) models. This study develops a conceptual model to determine the most significant factors influencing user's intention, perceived satisfaction and recommendation to use mobile wallet. The research model included 206 responses from an online and manual survey in India. Our study tested the moderating effect of innovativeness, stress to use and social influence on user's perceived satisfaction and recommendation to use mobile wallet services. We found that ease of use, usefulness, perceived risk, attitude, to have significant effect on user's intention, which further influenced user's perceived satisfaction and recommendation to use mobile wallet services. We also determined the significant moderating effect of stress to use and social influence on user's perceived satisfaction and recommendation to mobile wallet services. This study provides an integrated framework for academicians to measure the moderating effect of psychological, social and risk factors on technology acceptance. It can also help practitioners by identifying important factors affecting user's decision, which further affects user's perceived satisfaction and recommendation to use mobile wallet services.
Int. J. Inf. Manag.
Nidhi Singh Neena Sinha Francisco J Liebana-Cabanillas
59018570
Enjoyment and social influence: predicting mobile payment adoption
Models of technology adoption, notably the Technology Acceptance Model and the Unified Theories of Acceptance and Use of Technology, provide good theoretical foundations for understanding mobile payment adoption. This study extends these frameworks by incorporating perceived enjoyment, social influence, knowledge and perceived risk. Replications of established theories are tested in a new context of young people's adoption of mobile payment. Subsequent hypotheses test an extended theoretical framework using an online survey (N 316) The extended model improves previous models by explaining 62% of variation in intention to use. Against expectations, perceived ease of use had no significant effect on perceived usefulness and intention to use. The study contributes to advancing understanding of perceived enjoyment which had no direct effect on adoption intention but a significant effect on perceived ease of use and usefulness. Social influence reduces perceived risk, and further contribution is made by noting that perceived enjoyment lowers perceived risk.
Nicole Koenig-Lewis Morgan Marquet Adrian Palmer Anita Lifen Zhao
169864323
A multi analytical approach to peer to peer mobile payment acceptance prediction
Abstract This research is a pioneering study into peer to peer mobile payment (P2PM pay) systems' adoption. It proposes a behavioral model of the use of P2PM pay systems and identifies the key antecedents of the customer's intention to use. Using a two stage approach, the research model is assessed with data collected through an online survey from a sample of 701 respondents. In the first step, structural equation modeling (SEM) is used to determine P2P mobile payment acceptance predictors. In the second step, neural network models are used to rank the relative influence of significant predictors obtained from the SEM. The results show that consumers perceive the usefulness of P2PM pay as the most important factor influencing their decision to adopt this innovative technology. The significant impact of social norms and perceived trust are also corroborated. The paper provides important strategic guidelines for the management of companies involved in the development and implementation of P2PM pay systems.
Journal of Retailing and Consumer Services
Zoran Kalinic Veljko Marinkovic Sebastian Molinillo Francisco J Liebana-Cabanillas
198364420
Exploring factors affecting the adoption of Mobile Payment at physical stores
This study develops and empirically tests a research model to comprehensively examine factors influencing the adoption of mobile payment at physical stores. In particular, this study proposes an integrated theoretical framework that combines the theory of technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) The results indicate that: attitude is the most important factor influencing users' intention to adopt offline mobile payment compared to perceived usefulness and social influence; personal innovativeness, perceived usefulness and promotional offer also have significant effects on attitude whereas the perceived ease of use is not as important as others but does with significant effect on perceived usefulness.
Lin Wang Xuefeng Dai
231643636
Mobile payment: classic approaches to promote consumer adoption
The development and diffusion of smartphones has led to many new trends, among them a new payment solution in the form of mobile payment. This paper places its focus on factors influencing consumer adoption of mobile payment. The basis for this is often the technology acceptance model and unified theory of acceptance and use of technology. Several factors including perceived ease of use, perceived usefulness, performance expectancy and social influence were found to influence primary adoption while a compelling user experience, usability and enjoyment were found to be a main driver of long term usage.
MoMM
Philip Reiting Andreas Mladenow Christine Strauss Gabriele Anderst-Kotsis
213866575
Understanding Chinese Millennials' Adoption Intention Towards Third Party Mobile Payment
Different user groups will tend to value different third party mobile payment offerings differently, and so make different adoption decisions. Millennials are regarded as creative, socially conscious and more willing to provide opinions on the advantages and disadvantages of new technologies. Therefore, it is important to investigate the key factors that affect Chinese Millennials' adoption behavior of third party mobile payments as they grow in popularity in China. This study establishes a new conceptual model based on the Technology Acceptance Model incorporating additional variables such as perceived risk, personal innovativeness, compatibility, and social influence. This research collected quantitative data by questionnaire (N=380) The data was analyzed by SPSS. This study suggests that social influence and attitude directly affect adoption intention towards third party mobile payments, whereas perceived usefulness, compatibility, perceived ease of use and personal innovativeness only indirectly affect adoption intention towards third party mobile payments.
Inf. Resour. Manag. J.
Xuechun Lu Hui-Fen Lu
150012914
Factors affecting consumers' mobile payment behavior: a meta analysis
Mobile payment is quickly changing consumers' spending patterns and payment habits. Many empirical studies have been conducted globally in the last decade about consumers' mobile payment behavior. To analyze and synthesize the findings, a meta analysis is conducted to build consensus about what factors significantly affect consumers' mobile payment behavior. Overall, it is found that there is a high level of consensus among researchers that these factors, including perceived usefulness, perceived risk, social influence, trust and perceived ease of use, have significant impact over consumers' intention to use mobile payment. While our meta analysis supports most findings revealed in previous studies, there are also findings that cannot be supported. In addition, the place where consumers live is identified as a new factor that could potentially affect consumers mobile payment behavior. The practical significance of the current study is that consumers' spending habit is difficult to change but can be adapted through careful design and awareness training around these significant factors. To encourage consumers' adoption of mobile payment, especially in Western countries like US, the factors such as perceived usefulness, perceived risk, social influence, trust and perceived ease of use must be carefully considered and incorporated into mobile payment products and marketing campaigns.
Electron. Commer. Res.
Zhunzhun Liu Shenglin Ben Ruidong Zhang
204837017
Factors Influencing Consumers' Perception on Mobile Payment among Generation Z in Malaysia
The study aimed to understand the factors that resist Malaysia's generation Z from using mobile payment services to perform daily transaction by recognizing determinants used Technology Acceptance Model (TAM) The quantitative method was used to collect the data. The data was collected by used self administered questionnaire. The target population was generation Z in Malaysia who were mobile device users. The total of 200 questionnaire form were delivered to the selected respondents with questionnaire were designed. A pilot study was conducted which 30 respondents were randomly selected before actual data collection. The primary data was collected or observed from the participants to understand an issue or tested the hypothesis. The secondary data was referred to form data collected from previous research. The result showed there was significant relationship between perceived usefulness, perceived ease of use, security and privacy and social influence toward intention to use mobile payment in Malaysia among generation Z.
ICBDT2019
Danny Soon Tan Chuu Wei Lim Wei Lee