mobile payment,tam
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
235585776
Evaluating the usability of mobile payment app for free individual Chinese tourists visiting Busan:Extension of the fundamental logic of TAM
Yuting Gai
230657034
Consumer Behavioral Intension for Using Mobile Payment for E commerce in Taiwan
With the rise of the Internet, the popularity of e commerce has been promoted. With the advent of this financial technology and the rapid growth of smart device applications, consumer payment methods have also changed dramatically, e commerce has evolved to mobile commerce. Due to the characteristics of mobile commerce, it brings convenience in terms of location and personal needs. The purpose is to make modern people's lives smoother, and consumers can complete transactions without any money. However, people in Taiwan are less willing to use mobile payments than in other countries. Therefore, this paper is based on technology acceptance model (TAM) and fuzzy Delphi method (FDM) is used to development evaluative framework. Next, the fuzzy analytic hierarchy process (FAHP) is used to understand consumer's preference factors for mobile payment. Finally, the results of this paper can provide reference for the relative business mobile payment service and further increase user usage of mobile payments.
Jich-Yan Tsai Xiu-Wen Ye Chien-Hua Wang
214446716
Factors Influencing Malaysian Consumers' Intention to Use Quick Response (QR) Mobile Payment
ABSTRACT In the past decade, conventional payment methods of using cash is progressively replaced with electronic payments. Recently, QR mobile payment begins to receive more attention from many countries including Malaysia. Nevertheless, QR mobile payment is a relatively green area in which very limited literature exists on this subject matter pertaining to consumer acceptance and characteristics of adopter segments of this technology. Therefore, by applying the Technology Acceptance Model (TAM) as the main theoretical framework, the aim of the present study is to investigate the factors influencing intention to use QR mobile payment in Malaysia. Self administered questionnaires were distributed which resulted in 485 complete responses. Perceived usefulness, personal innovativeness, perceived ease of use, subjective norm, and perceived security were found to be significant in determining intention to use QR mobile payment among Malaysian consumers. Keywords: Intention to use; quick response (QR) mobile payment; technology acceptance model (TAM) ABSTRAK Pada dekad yang lalu, kaedah pembayaran konvensional yang menggunakan wang tunai secara beransur ansur digantikan dengan pembayaran elektronik. Baru baru ini, pembayaran mudah alih 'Quick Response' (QR) mula mendapat perhatian lebih banyak dari banyak negara termasuk Malaysia. Walau bagaimanapun, pembayaran mudah alih QR adalah bidang yang masih baharu memandangkan hanya terdapat literature yang terhad berkaitan penerimaan pengguna dan ciri ciri segmen pengguna teknologi ini. Oleh itu, dengan menggunakan Model Penerimaan Teknologi (TAM) sebagai kerangka teori utama, matlamat kajian ini adalah untuk mengkaji faktor faktor yang mempengaruhi niat/keinginan untuk menggunakan pembayaran mudah alih QR di Malaysia. Borang soal selidik telah diedar dan dilengkapkan oleh 485 responden. Tanggapan kebergunaan, inovasi diri, tanggapan mudah digunakan, norma subjektif, dan tanggapan keselamatan didapati penting dalam menentukan keinginan untuk menggunakan pembayaran mudah alih QR dalam kalangan pengguna Malaysia. Kata kunci: Keinginan menggunakan; pembayaran mudah alih 'Quick Response' (QR) model penerimaan teknologi
Muhammad Haidhar Ibrahim Siti Rahayu Hussin Siti Haslina Hussin
222136635
Financial Literacy and Mobile Payment Usage as Financial Inclusion Determinants
Indonesia is categorized as a low level of financial literacy and inclusion when it is being compared to the population. However, it could be risen by trending technology utilization, namely Financial Technology (Fintech) in which mobile payment (m payment) is one of the instruments. Therefore, the objective of our research is to examine financial literacy and mobile payment usage as financial inclusion determinants. The model of this research involved three indicators of financial literacy and two variables of TAM to indicate m payment usage as technology adoption. We used primary data by spreading the questionnaire to 100 respondents, in which using the Slovin formula to decide this research sample. Multiple linear regression is employed for data analysis using SPSS 23. The results proved that financial knowledge, financial behavior, perceived usefulness, and perceived ease of use of mobile payments have a positive impact and statistically significant to financial inclusion. Meanwhile, a negative impact and statistically insignificant financial attitudes to financial inclusion are proved as well. Overall, better financial literacy and high usage of mobile payment may increase financial inclusion, especially in the Jabodetabek area. Our research paper contributes valuable insights to the Indonesian government, financial technology association, and the users.
2020 International Conference on Information Management and Technology (ICIMTech)
Maria Yohana Kirana Shinta Amalina Hazrati Havidz
226714215
A Study on the Effect of Credit Card Usage on the Intention to Use Mobile Payment
This paper aims to explore the question of whether the environment in Korea where credit card use is prevalent affects the intention to accept Fintech based mobile payment. The institution that encourages the credit card use such as credit card receipt obligation may lead to the lock in and build infrastructures to influence the acceptance of new payment acceptance. This paper investigates how the perceived of use, usefulness, accessibility and stability affect the intention to use mobile payment based on the Technology Acceptance Model(TAM) model with the mediator of lock in and moderator of credit card receipt obligation. In the results, we found that the perceived usefulness, perceived ease of use and accessibility positively impact on the intention of mobile payment usages. It is also observed that the usefulness and accessibility of credit cards positively mediate to the intention of mobile
Jayoung J Goo
228808345
The Technology Acceptance Model of Mobile Payment Usage on Generation Z
The research aimed to support Technology Acceptance Model (TAM) theories such as Perceived Ease of Use (PEOU) Security (SECU) Brand Loyalty (BL) Behavioural Intention (BI) and the marketing models, Electronic Word of Mouth (EWOM) on the use of mobile payments of the Generation Z. The researchers used the quantitative method. Using a non probability sampling method with a convenience sampling technique, there were 100 respondents of Generation Z. The data were then analyzed using Structural Equation Modeling (SEM) with Partial Least Square (PLS) The results show that PEOU has no significant effect on BI. SECU and BL affect BI significantly. Then, BI has a significant impact on EWOM. It means that PEOU is not an important factor for Generation Z to use mobile payment. SECU and BL make the Generation Z continue to use mobile payment without worrying about data privacy issues because BL is embedded in their mind. As a result of BI, Generation Z will do marketing in the form of EWOM to their closest friends or relatives via social media.
Nerry Kristina Ibnu Harris
114174591
IJESRTJOURNAL OF ENGINEERING SCIENCES RESEARCH TECHNOLOGY ASSESSING THE ACCEPTANCE OF MOBILE PAYMENT IN SUDAN USING TAM
This study explores mobile payment in Sudan. It addresses the factors affecting its acceptance by customers. Technology Acceptance Model (TAM) was adopted and extended by adding perceived security and service quality to the basic constructs (perceived ease of use and perceived usefulness) Moreover, demographic factors were added as external variables; age, income, and banked/unbanked users. A questionnaire was designed and randomly distributed to a selected sample of Sudanese customers. Data were analyzed using different statistical tests and an extended TAM wad developed. The result is believed to support decision makers in the banking industry to consider the factors supporting the acceptance and the diffusion of more efficient and more effective mobile payment services in Sudan.
Wisal M Tingari Mawada M Sanhori
40283557
Empirical Study of Influence Factors of Adaption Intention of Mobile Payment based on TAM Model in China
This paper studies the influence factors and the influence mechanism which effect Chinese adaption intention of mobile payment based on TAM model, theory of social psychology and innovation diffusion. It takes near field mobile phone payment as practical example to do questionnaire survey with 623 samples in China and then the data were analyzed by SPSS20.0 and AMOS20.0 software .The result shows that the direct factors influencing mobile payment adoption are ranked as follows: altitude, consumer's confidence in the operator, number of merchants, scope of service, cost to use, subjective normalization and operation scenario. The number of merchants, the scope of service, the perceived ease of use and the compatibility have a significant influence on the perceived usefulness. The people at different ages and with different incomes are different significantly in their willingness to purchase through the mobile phone payment. At the end of this paper management suggestion for operators was given.
Jing Li Jialiang Liu Huan Ji
214048531
Faktor faktor Yang Mempengaruhi Customer Intention Untuk Menggunakan Layanan Mobile Payment Dana
Abstract This study aims to discuss consumer policies regarding the implementation of mobile payments and understand the factors that influence these relationships. In achieving these objectives, the research method used is quantitative. The factors analyzed in this study are based on the TAM model, namely perceived security, perceived compatibility, perceived usefulness, perceived ease of use, subjective norms as independent variables, attitudes as intervening variables, and customer intentions as dependent variables. The data source comes from 400 internet users who already know DANA, have not used DANA throughout Indonesia. The sampling technique used was purposive sampling. The study uses Structural Equation Modeling (SEM) analysis model that is processed with SmartPLS 3.0. Perceived safety factors, perceived compatibility, perceived benefits, perceived ease of use associated with and positive attitude toward using DANA mobile payments. Whereas subjective norms do not have a positive and significant relationship to attitudes using cellular DANA payments. Then the attitude towards having a significant and positive relationship to customer intentions using DANA mobile payments. Keywords TAM; mobile payment; attitude; intention Abstrak Penelitian ini bertujuan untuk melakukan penyelidikan perilaku konsumen terhadap implementasi mobile payment serta mengetahui faktor faktor yang mempengaruhi perilaku tersebut. Dalam mencapai tujuan tersebut, metode penelitian yang digunakan adalah kuantitatif. Faktor yang dianalisis dalam penelitian ini berdasarkan model TAM, yaitu perceived security, perceived compatibility, perceived usefulness, perceived ease of use, subjectives norm sebagai variabel independen, attitude sebagai variabel intervening, dan customer intention sebagai variabel dependen. Sumber data berasal dari 400 pengguna internet yang sudah mengetahui DANA, namun belum menggunakan DANA di seluruh Indonesia. Teknik sampling yang digunakan adalah purposive sampling. Penelitian menggunakan model analisis Structural Equation Modeling (SEM) yang di proses dengan SmartPLS 3.0. Hasil penelitian menunjukkan bahwa faktor perceived security, perceived compatibility, perceived usefulness, perceived ease of use memiliki hubungan yang positif dan signifikan terhadap attitude menggunakan mobile payment DANA. Sedangkan subjectives norm tidak memiliki hubungan positif dan signifikan terhadap attitude menggunakan mobile payment DANA. Kemudian attitude toward memiliki hubungan yang signifikan dan positif terhadap customer intention penggunaan mobile payment DANA. Kata kunci TAM; mobile payment; attitude; intention
Lidya Rahmayani