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Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied

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  • de Luna, Iviane Ramos
  • Liébana-Cabanillas, Francisco
  • Sánchez-Fernández, Juan
  • Muñoz-Leiva, Francisco

Abstract

This study compares the factors that determine consumer acceptance SMS (Short Message Service), NFC (Near Field Communication) and QR (Quick Response) mobile payment systems, in addition to determining the principal factors which influence the adoption of these mobile payment systems as means payment. A comprehensive review of the scientific literature has justified the development of a behavioral model that explains intention to use of mobile payments. The results and novelty of this research lies in the formulation of a different behavior according to the use given by users to each of the proposed payment tools. The conclusions and implications for management provide alternatives for companies.

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  • de Luna, Iviane Ramos & Liébana-Cabanillas, Francisco & Sánchez-Fernández, Juan & Muñoz-Leiva, Francisco, 2019. "Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied," Technological Forecasting and Social Change, Elsevier, vol. 146(C), pages 931-944.
    • Handle: RePEc:eee:tefoso:v:146:y:2019:i:c:p:931-944
    DOI: 10.1016/j.techfore.2018.09.018
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    Cited by:

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    3. Türker, Cansu & Altay, Burak Can & Okumuş, Abdullah, 2022. "Understanding user acceptance of QR code mobile payment systems in Turkey: An extended TAM," Technological Forecasting and Social Change, Elsevier, vol. 184(C).
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    6. Zhang, Qi & Ariffin, Shaizatulaqma Kamalul & Richardson, Christopher & Wang, Yuling, 2023. "Influencing factors of customer loyalty in mobile payment: A consumption value perspective and the role of alternative attractiveness," Journal of Retailing and Consumer Services, Elsevier, vol. 73(C).
    7. Talwar, Shalini & Dhir, Amandeep & Khalil, Ashraf & Mohan, Geetha & Islam, A.K.M. Najmul, 2020. "Point of adoption and beyond. Initial trust and mobile-payment continuation intention," Journal of Retailing and Consumer Services, Elsevier, vol. 55(C).
    8. Fu, Hsin-Pin & Chang, Tsung-Sheng & Wang, Chia-Nan & Hsu, Hsien-Pin & Liu, Chien-Hung & Yeh, Chih-Yao, 2022. "Critical factors affecting the introduction of mobile payment tools by microretailers," Technological Forecasting and Social Change, Elsevier, vol. 175(C).
    9. de Blanes Sebastián, María García & Antonovica, Arta & Sarmiento Guede, José Ramón, 2023. "What are the leading factors for using Spanish peer-to-peer mobile payment platform Bizum? The applied analysis of the UTAUT2 model," Technological Forecasting and Social Change, Elsevier, vol. 187(C).
    10. Daragmeh, Ahmad & Lentner, Csaba & Sági, Judit, 2021. "FinTech payments in the era of COVID-19: Factors influencing behavioral intentions of “Generation X” in Hungary to use mobile payment," Journal of Behavioral and Experimental Finance, Elsevier, vol. 32(C).
    11. Qingyu Zhang & Salman Khan & Mei Cao & Safeer Ullah Khan, 2023. "Factors Determining Consumer Acceptance of NFC Mobile Payment: An Extended Mobile Technology Acceptance Model," Sustainability, MDPI, vol. 15(4), pages 1-18, February.
    12. Hong-Lei Mu & Young-Chan Lee, 2021. "How Inclusive Digital Financial Services Impact User Behavior: A Case of Proximity Mobile Payment in Korea," Sustainability, MDPI, vol. 13(17), pages 1-23, August.
    13. Liébana-Cabanillas, Francisco & Japutra, Arnold & Molinillo, Sebastián & Singh, Nidhi & Sinha, Neena, 2020. "Assessment of mobile technology use in the emerging market: Analyzing intention to use m-payment services in India," Telecommunications Policy, Elsevier, vol. 44(9).
    14. Mou, Jian & Benyoucef, Morad, 2021. "Consumer behavior in social commerce: Results from a meta-analysis," Technological Forecasting and Social Change, Elsevier, vol. 167(C).
    15. Darehshiri, Mahsa & Ghaemi Asl, Mahdi & Babatunde Adekoya, Oluwasegun & Shahzad, Umer, 2022. "Cross-spectral coherence and dynamic connectedness among contactless digital payments and digital communities, enterprise collaboration, and virtual reality firms," Technological Forecasting and Social Change, Elsevier, vol. 181(C).
    16. Hamzah, Muhammad Iskandar & Ramli, Faten Aisyah Ahmad & Shaw, Norman, 2023. "The moderating influence of brand image on consumers' adoption of QR-code e-wallets," Journal of Retailing and Consumer Services, Elsevier, vol. 73(C).
    17. Dzandu, Michael D. & Hanu, Charles & Amegbe, Hayford, 2022. "Gamification of mobile money payment for generating customer value in emerging economies: The social impact theory perspective," Technological Forecasting and Social Change, Elsevier, vol. 185(C).
    18. Yang, Wei & Vatsa, Puneet & Ma, Wanglin & Zheng, Hongyun, 2023. "Does mobile payment adoption really increase online shopping expenditure in China: A gender-differential analysis," Economic Analysis and Policy, Elsevier, vol. 77(C), pages 99-110.
    19. Yoonyoung Hwang & Sangwook Park & Nina Shin, 2021. "Sustainable Development of a Mobile Payment Security Environment Using Fintech Solutions," Sustainability, MDPI, vol. 13(15), pages 1-15, July.
    20. Verkijika, Silas Formunyuy & Neneh, Brownhilder Ngek, 2021. "Standing up for or against: A text-mining study on the recommendation of mobile payment apps," Journal of Retailing and Consumer Services, Elsevier, vol. 63(C).
    21. Ameen, Nisreen & Shah, Mahmood Hussain & Sims, Julian & Choudrie, Jyoti & Willis, Robert, 2020. "Are there peas in a pod when considering mobile phone and mobile applications use: A quantitative study," Journal of Retailing and Consumer Services, Elsevier, vol. 55(C).
    22. Yi-Ying Wu & Wen-Huei Chou, 2023. "A Bibliometric Analysis to Identify Research Trends in Intervention Programs for Smartphone Addiction," IJERPH, MDPI, vol. 20(5), pages 1-16, February.

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