IDEAS home Printed from https://ideas.repec.org/a/eee/joreco/v21y2014i4p449-459.html
   My bibliography  Save this article

The mediating influence of trust in the adoption of the mobile wallet

Author

Listed:
  • Shaw, Norman

Abstract

The technology of paying at the point-of-sale with a smartphone is available, but has not yet been accepted by consumers or retailers in North America. Retailers are reluctant to invest in the technology to upgrade their store equipment until there is a wider acceptance by the consumer. The research model in this study is based on the Technology Acceptance Model, which posits that consumers will accept the mobile wallet when they perceive usefulness. They discover features through informal learning and are concerned about trust. The model is extended with these constructs and empirically tested with a sample of Canadian consumers. The results, which show that perceived usefulness is a key influencing factor and that informal learning is mediated by trust, are of value to researchers and practitioners.

Suggested Citation

  • Shaw, Norman, 2014. "The mediating influence of trust in the adoption of the mobile wallet," Journal of Retailing and Consumer Services, Elsevier, vol. 21(4), pages 449-459.
    • Handle: RePEc:eee:joreco:v:21:y:2014:i:4:p:449-459
    DOI: 10.1016/j.jretconser.2014.03.008
    as

    Download full text from publisher

    File URL: http://www.sciencedirect.com/science/article/pii/S0969698914000447
    Download Restriction: Full text for ScienceDirect subscribers only
    File URL: https://libkey.io/10.1016/j.jretconser.2014.03.008?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Vorotin V.E. & Demchak R.E., 2014. "State Policy On Social Protection In Ukraine," Management, Academy of Municipal Administration, vol. 8(3), pages 24-31, June.
    2. Igbaria, M. & Iivari, J., 1995. "The effects of self-efficacy on computer usage," Omega, Elsevier, vol. 23(6), pages 587-605, December.
    3. Carlos Arango & Kim Huynh & Ben Fung & Gerald Stuber, 2012. "The Changing Landscape for Retail Payments in Canada and the Implications for the Demand for Cash," Bank of Canada Review, Bank of Canada, vol. 2012(Autumn), pages 31-40.
    4. Toufaily, Elissar & Souiden, Nizar & Ladhari, Riadh, 2013. "Consumer trust toward retail websites: Comparison between pure click and click-and-brick retailers," Journal of Retailing and Consumer Services, Elsevier, vol. 20(6), pages 538-548.
    5. R. P. Sundarraj & Nick Manochehri, 2011. "Application of an Extended TAM Model for Online Banking Adoption: A Study at a Gulf-region University," Information Resources Management Journal (IRMJ), IGI Global, vol. 24(1), pages 1-13, January.
    6. Chi-Chur Chao & Eden S. H. Yu, 2014. "Content Protection, Urban Unemployment, and Welfare," World Scientific Book Chapters, in: TRADE-RELATED INVESTMENT MEASURES Theory and Applications, chapter 8, pages 127-140, World Scientific Publishing Co. Pte. Ltd..
    7. Matthew B. Gross & Jeanne M. Hogarth & Maximilian D. Schmeiser, 2012. "Use of financial services by the unbanked and underbanked and the potential for mobile financial services adoption," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), vol. 98(Sept), September.
    8. Agarwal, Reeti & Rastogi, Sanjay & Mehrotra, Ankit, 2009. "Customers’ perspectives regarding e-banking in an emerging economy," Journal of Retailing and Consumer Services, Elsevier, vol. 16(5), pages 340-351.
    9. Paul A. Pavlou & David Gefen, 2004. "Building Effective Online Marketplaces with Institution-Based Trust," Information Systems Research, INFORMS, vol. 15(1), pages 37-59, March.
    10. Darren Flood & Tim West & Daniel Wheadon, 2013. "Trends in Mobile Payments in Developing and Advanced Economies," RBA Bulletin (Print copy discontinued), Reserve Bank of Australia, pages 71-80, March.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Juan-Pedro Cabrera-Sánchez & Iviane Ramos-de-Luna & Elena Carvajal-Trujillo & Ángel F. Villarejo-Ramos, 2020. "Online Recommendation Systems: Factors Influencing Use in E-Commerce," Sustainability, MDPI, vol. 12(21), pages 1-15, October.
    2. Chaouali, Walid & Ben Yahia, Imene & Souiden, Nizar, 2016. "The interplay of counter-conformity motivation, social influence, and trust in customers' intention to adopt Internet banking services: The case of an emerging country," Journal of Retailing and Consumer Services, Elsevier, vol. 28(C), pages 209-218.
    3. Janet Hua Jiang & Enchuan Shao, 2014. "Understanding the Cash Demand Puzzle," Staff Working Papers 14-22, Bank of Canada.
    4. Sarv Devaraj & Robert F. Easley & J. Michael Crant, 2008. "Research Note ---How Does Personality Matter? Relating the Five-Factor Model to Technology Acceptance and Use," Information Systems Research, INFORMS, vol. 19(1), pages 93-105, March.
    5. Yafeng Zou & Qi Wang & Min Deng & Yujie Wang, 2021. "Community Intervention System: COVID-19 Control in Inner Mongolia Autonomous Region, China," IJERPH, MDPI, vol. 18(23), pages 1-18, December.
    6. Ahmed Ibrahim Alzahrani & T. Ramayah & Nalini Suppiah & Osama Alfarraj & Nasser Alalwan, 2020. "Modeling Blog Usage From a Developing Country Perspective Using Structural Equation Modeling (SEM)," SAGE Open, , vol. 10(3), pages 21582440209, July.
    7. Xi Chen & Shaofen Fang & Yujie Li & Haibin Wang, 2019. "Does Identification Influence Continuous E-Commerce Consumption? The Mediating Role of Intrinsic Motivations," Sustainability, MDPI, vol. 11(7), pages 1-20, April.
    8. Teo, Thompson S. H. & Lim, Vivien K. G. & Lai, Raye Y. C., 1999. "Intrinsic and extrinsic motivation in Internet usage," Omega, Elsevier, vol. 27(1), pages 25-37, February.
    9. Meents, S. & Verhagen, T. & Vlaar, P.W.L., 2011. "How sellers can stimulate purchasing in electronic marketplaces: Using information as a risk reduction signal," Serie Research Memoranda 0014, VU University Amsterdam, Faculty of Economics, Business Administration and Econometrics.
    10. Judy E. Scott & Dawn G. Gregg & Jae Hoon Choi, 2015. "Lemon complaints: When online auctions go sour," Information Systems Frontiers, Springer, vol. 17(1), pages 177-191, February.
    11. Kim Huynh & Gradon Nicholls & Oleksandr Shcherbakov, 2019. "Explaining the Interplay Between Merchant Acceptance and Consumer Adoption in Two-Sided Markets for Payment Methods," Staff Working Papers 19-32, Bank of Canada.
    12. Zhenhui (Jack) Jiang & Cheng Suang Heng & Ben C. F. Choi, 2013. "Research Note —Privacy Concerns and Privacy-Protective Behavior in Synchronous Online Social Interactions," Information Systems Research, INFORMS, vol. 24(3), pages 579-595, September.
    13. Wang, Lu-Yao & Hu, Hai-Hua & Wang, Le & Qin, Jian-Qun, 2022. "Privacy assurances and social sharing in social commerce: The mediating role of threat-coping appraisals," Journal of Retailing and Consumer Services, Elsevier, vol. 67(C).
    14. Janet Hua Jiang & Enchuan Shao, 2020. "The Cash Paradox," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 36, pages 177-197, April.
    15. Cabrera-Sánchez, Juan-Pedro & Villarejo-Ramos, à ngel F., 2020. "Acceptance and use of big data techniques in services companies," Journal of Retailing and Consumer Services, Elsevier, vol. 52(C).
    16. Jung Lee & Jae-Nam Lee & Bernard C. Y. Tan, 2015. "Antecedents of cognitive trust and affective distrust and their mediating roles in building customer loyalty," Information Systems Frontiers, Springer, vol. 17(1), pages 159-175, February.
    17. Heru Susanto & Nurul Kemaluddin, 2023. "Innovative Blockchain-Based Tracking Systems, A Technology Acceptance for Cross-Border Runners during and Post-Pandemic," Sustainability, MDPI, vol. 15(8), pages 1-34, April.
    18. Isabelle Brun & Lova Rajaobelina & Line Ricard & Annick Fortin, 2017. "Impact of website characteristics on relationship quality: a comparison of banks financial cooperatives," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 22(4), pages 141-149, December.
    19. Tony Cooper & Constantino Stavros & Angela R. Dobele, 2019. "The levers of engagement: an exploration of governance in an online brand community," Journal of Brand Management, Palgrave Macmillan, vol. 26(3), pages 240-254, May.
    20. Lingling Gao & Kerem Aksel Waechter, 0. "Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation," Information Systems Frontiers, Springer, vol. 0, pages 1-24.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:eee:joreco:v:21:y:2014:i:4:p:449-459. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Catherine Liu (email available below). General contact details of provider: https://www.journals.elsevier.com/journal-of-retailing-and-consumer-services .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.