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The impact of mobility, risk, and cost on the users’ intention to adopt mobile payments

Author

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  • Yong Liu

    (Chengdu University of Technology)

  • Meng Wang

    (Chengdu University of Technology)

  • Danyu Huang

    (Chengdu University of Technology)

  • Qiang Huang

    (Chengdu University of Technology)

  • Hua Yang

    (Chengdu University of Technology)

  • Zhigang Li

    (Chengdu University of Technology)

Abstract

With the development of mobile communication technology and the wide application of intelligent devices, mobile payments with great commercial potential have been born. However, the penetration rate of mobile payment is not satisfactory. In order to explore user acceptance of mobile payments, this study proposes a new research model based on the technology acceptance model, which integrates the characteristics of mobile payments (i.e., mobility) and inhibiting factors (i.e., risk and cost). Partial least squares was performed to analyse measurement and structural models on the data collected from 245 survey samples. The results indicated that perceived mobility has a positive and direct impact on perceived ease of use and perceived usefulness, as well as an indirect impact on adoption intention; however, perceived risk and perceived cost negatively affect a user’s intention to use mobile payments. Finally, the research provides empirical evidence for practitioners to enhance the adoption of mobile payments.

Suggested Citation

  • Yong Liu & Meng Wang & Danyu Huang & Qiang Huang & Hua Yang & Zhigang Li, 2019. "The impact of mobility, risk, and cost on the users’ intention to adopt mobile payments," Information Systems and e-Business Management, Springer, vol. 17(2), pages 319-342, December.
    • Handle: RePEc:spr:infsem:v:17:y:2019:i:2:d:10.1007_s10257-019-00449-0
    DOI: 10.1007/s10257-019-00449-0
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    References listed on IDEAS

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    Cited by:

    1. Dash, Ganesh & Sharma, Kiran & Yadav, Neha, 2023. "The diffusion of mobile payments: Profiling the adopters and non-adopters, Roger's way," Journal of Retailing and Consumer Services, Elsevier, vol. 71(C).
    2. Ho Huy Tuu & Nguyen Huu Khoi & Svein Ottar Olsen, 2021. "How consumer innovativeness, technological expertise, and consideration set size can explain mobile commerce use: An extended understanding using a moderation–mediation model," Information Systems and e-Business Management, Springer, vol. 19(3), pages 1015-1038, September.
    3. V. Kumar & Nandini Nim & Amit Agarwal, 0. "Platform-based mobile payments adoption in emerging and developed countries: Role of country-level heterogeneity and network effects," Journal of International Business Studies, Palgrave Macmillan;Academy of International Business, vol. 0, pages 1-30.
    4. Chong Li & Yingqi Li, 2023. "Factors Influencing Public Risk Perception of Emerging Technologies: A Meta-Analysis," Sustainability, MDPI, vol. 15(5), pages 1-37, February.
    5. Ishtiaq Ahmad Bajwa & Shafiq Ur Rehman & Abid Iqbal & Zaheer Anwer & Murtaza Ashiq & Muhammad Ajmal Khan, 2022. "Past, Present and Future of FinTech Research: A Bibliometric Analysis," SAGE Open, , vol. 12(4), pages 21582440221, October.
    6. V. Kumar & Nandini Nim & Amit Agarwal, 2021. "Platform-based mobile payments adoption in emerging and developed countries: Role of country-level heterogeneity and network effects," Journal of International Business Studies, Palgrave Macmillan;Academy of International Business, vol. 52(8), pages 1529-1558, October.
    7. Zhong, Junying & Chen, Tiao, 2023. "Antecedents of mobile payment loyalty: An extended perspective of perceived value and information system success model," Journal of Retailing and Consumer Services, Elsevier, vol. 72(C).

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