IDEAS home Printed from https://ideas.repec.org/a/eee/teinso/v79y2024ics0160791x2400277x.html
   My bibliography  Save this article

Can cluster analysis enrich the innovation resistance theory? The case of mobile payment usage in Italy

Author

Listed:
  • Spinelli, Giulia
  • Gastaldi, Luca
  • Van Hove, Leo
  • Van Droogenbroeck, Ellen

Abstract

Mobile payments provide several benefits, for consumers and merchants alike. Yet, on a worldwide scale their usage is still low. Also, the barriers to mobile payment usage are still a rather unexplored topic in the literature, which is instead focused on adoption behavior. Accordingly, our objective is to investigate the factors that hinder, respectively, mobile payment usage and intention to use by consumers. The theoretical framework for our analysis integrates the Technology Readiness Index (TRI) into the Innovation Resistance Theory (IRT). To empirically assess the model, we gathered data on mobile payment usage in Italy through a web-based survey among 1,795 consumers. For the full sample, we find that the impact of the IRT barriers is different for actual use and behavioral intention to use. Also, and most importantly, once we segment consumers based on their TRI, we find yet other results. Specifically, the impact of the IRT barriers is different across the proposed clusters. This confirms that cluster analysis does indeed add value to the IRT.

Suggested Citation

  • Spinelli, Giulia & Gastaldi, Luca & Van Hove, Leo & Van Droogenbroeck, Ellen, 2024. "Can cluster analysis enrich the innovation resistance theory? The case of mobile payment usage in Italy," Technology in Society, Elsevier, vol. 79(C).
    • Handle: RePEc:eee:teinso:v:79:y:2024:i:c:s0160791x2400277x
    DOI: 10.1016/j.techsoc.2024.102729
    as

    Download full text from publisher

    File URL: http://www.sciencedirect.com/science/article/pii/S0160791X2400277X
    Download Restriction: Full text for ScienceDirect subscribers only
    File URL: https://libkey.io/10.1016/j.techsoc.2024.102729?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. Balakrishnan, Vimala & Shuib, Nor Liyana Mohd, 2021. "Drivers and inhibitors for digital payment adoption using the Cashless Society Readiness-Adoption model in Malaysia," Technology in Society, Elsevier, vol. 65(C).
    2. Amoroso, Donald L. & Ackaradejruangsri, Pajaree, 2024. "Going cashless in Japan: Using exchange benefit and cost approach to study continuance intention of mobile wallet," Technology in Society, Elsevier, vol. 78(C).
    3. Moghavvemi, Sedigheh & Mei, Tan Xin & Phoong, Seuk Wai & Phoong, Seuk Yen, 2021. "Drivers and barriers of mobile payment adoption: Malaysian merchants' perspective," Journal of Retailing and Consumer Services, Elsevier, vol. 59(C).
    4. Miriam Martens & Oliver Roll & Roger Elliott, 2017. "Testing the Technology Readiness and Acceptance Model for Mobile Payments Across Germany and South Africa," International Journal of Innovation and Technology Management (IJITM), World Scientific Publishing Co. Pte. Ltd., vol. 14(06), pages 1-19, December.
    5. Seth, Himanshu & Talwar, Shalini & Bhatia, Anuj & Saxena, Akanksha & Dhir, Amandeep, 2020. "Consumer resistance and inertia of retail investors: Development of the resistance adoption inertia continuance (RAIC) framework," Journal of Retailing and Consumer Services, Elsevier, vol. 55(C).
    6. Pal, Debajyoti & Zhang, Xiangmin & Siyal, Saeed, 2021. "Prohibitive factors to the acceptance of Internet of Things (IoT) technology in society: A smart-home context using a resistive modelling approach," Technology in Society, Elsevier, vol. 66(C).
    7. Mirza Hassan Hosseini & Mohsen Delaviz & Hamed Derakhshide & Mojtaba Delaviz, 2016. "Factors Affecting Consumer Resistance to Innovation in Mobile Phone Industry," International Journal of Asian Social Science, Asian Economic and Social Society, vol. 6(9), pages 497-509.
    8. Mirza Hassan Hosseini & Mohsen Delaviz & Hamed Derakhshide & Mojtaba Delaviz, 2016. "Factors Affecting Consumer Resistance to Innovation in Mobile Phone Industry," International Journal of Asian Social Science, Asian Economic and Social Society, vol. 6(9), pages 497-509, September.
    9. Bastien Perrot & Emmanuelle Bataille & Jean-Benoit Hardouin, 2018. "validscale: A command to validate measurement scales," Stata Journal, StataCorp LLC, vol. 18(1), pages 29-50, March.
    10. Giacomo Migliore & Ralf Wagner & Felipe Schneider Cechella & Francisco Liébana-Cabanillas, 2022. "Antecedents to the Adoption of Mobile Payment in China and Italy: an Integration of UTAUT2 and Innovation Resistance Theory," Information Systems Frontiers, Springer, vol. 24(6), pages 2099-2122, December.
    11. Lai Ming Ling & Izlawanie Muhammad, 2006. "Taxation and Technology: Technology Readiness of Malaysian Tax Officers in Petaling Jaya Branch," Journal of Financial Reporting and Accounting, Emerald Group Publishing Limited, vol. 4(1), pages 147-163, January.
    12. Hock-Han Tee & Hway-Boon Ong, 2016. "Cashless payment and economic growth," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 2(1), pages 1-9, December.
    13. Laukkanen, Tommi, 2016. "Consumer adoption versus rejection decisions in seemingly similar service innovations: The case of the Internet and mobile banking," Journal of Business Research, Elsevier, vol. 69(7), pages 2432-2439.
    14. Talwar, Shalini & Talwar, Manish & Kaur, Puneet & Dhir, Amandeep, 2020. "Consumers’ resistance to digital innovations: A systematic review and framework development," Australasian marketing journal, Elsevier, vol. 28(4), pages 286-299.
    15. Kaur, Puneet & Dhir, Amandeep & Singh, Naveen & Sahu, Ganesh & Almotairi, Mohammad, 2020. "An innovation resistance theory perspective on mobile payment solutions," Journal of Retailing and Consumer Services, Elsevier, vol. 55(C).
    16. Jaiswal, Deepak & Mohan, Ashutosh & Deshmukh, Arun Kumar, 2023. "Cash rich to cashless market: Segmentation and profiling of Fintech-led-Mobile payment users," Technological Forecasting and Social Change, Elsevier, vol. 193(C).
    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. Arghya Ray & Muskan Jain & Lan Ma & Khalid Hussain Alhamzi & Ananya Ray & Long She, 2024. "The impact of personality traits, barriers and gamification on Gen X continuance intention for mobile credit bill payment apps," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 1154-1174, September.
    2. Verma, Anuj & Chakraborty, Debarun & Verma, Meenakshi, 2023. "Barriers of food delivery applications: A perspective from innovation resistance theory using mixed method," Journal of Retailing and Consumer Services, Elsevier, vol. 73(C).
    3. Talwar, Shalini & Dhir, Amandeep & Scuotto, Veronica & Kaur, Puneet, 2021. "Barriers and paradoxical recommendation behaviour in online to offline (O2O) services. A convergent mixed-method study," Journal of Business Research, Elsevier, vol. 131(C), pages 25-39.
    4. Villanueva Orbaiz, María Luisa & Arce-Urriza, Marta, 2024. "The role of active and passive resistance in new technology adoption by final consumers: The case of 3D printing," Technology in Society, Elsevier, vol. 77(C).
    5. Kumari, Pooja & Shankar, Amit & Behl, Abhishek & Pereira, Vijay & Yahiaoui, Dorra & Laker, Benjamin & Gupta, Brij B. & Arya, Varsha, 2024. "Investigating the barriers towards adoption and implementation of open innovation in healthcare," Technological Forecasting and Social Change, Elsevier, vol. 200(C).
    6. Mahmud, Hasan & Islam, A.K.M. Najmul & Mitra, Ranjan Kumar, 2023. "What drives managers towards algorithm aversion and how to overcome it? Mitigating the impact of innovation resistance through technology readiness," Technological Forecasting and Social Change, Elsevier, vol. 193(C).
    7. Talwar, Shalini & Talwar, Manish & Kaur, Puneet & Dhir, Amandeep, 2020. "Consumers’ resistance to digital innovations: A systematic review and framework development," Australasian marketing journal, Elsevier, vol. 28(4), pages 286-299.
    8. Huang, Dan & Jin, Xin & Coghlan, Alexandra, 2021. "Advances in consumer innovation resistance research: A review and research agenda," Technological Forecasting and Social Change, Elsevier, vol. 166(C).
    9. Kaur, Puneet & Dhir, Amandeep & Singh, Naveen & Sahu, Ganesh & Almotairi, Mohammad, 2020. "An innovation resistance theory perspective on mobile payment solutions," Journal of Retailing and Consumer Services, Elsevier, vol. 55(C).
    10. Sadiq, Mohd & Adil, Mohd & Paul, Justin, 2021. "An innovation resistance theory perspective on purchase of eco-friendly cosmetics," Journal of Retailing and Consumer Services, Elsevier, vol. 59(C).
    11. Ye Sang & Heeseung Yu & Eunkyoung Han, 2022. "Understanding the Barriers to Consumer Purchasing of Zero-Waste Products," Sustainability, MDPI, vol. 14(24), pages 1-20, December.
    12. Talwar, Manish & Talwar, Shalini & Kaur, Puneet & Islam, A.K.M. Najmul & Dhir, Amandeep, 2021. "Positive and negative word of mouth (WOM) are not necessarily opposites: A reappraisal using the dual factor theory," Journal of Retailing and Consumer Services, Elsevier, vol. 63(C).
    13. Chakraborty, Debarun & Singu, Hari Babu & Patre, Smruti, 2022. "Fitness Apps's purchase behaviour: Amalgamation of Stimulus-Organism-Behaviour-Consequence framework (S–O–B–C) and the innovation resistance theory (IRT)," Journal of Retailing and Consumer Services, Elsevier, vol. 67(C).
    14. Fu, Shihui & Xue, Kunkun & Yang, Mengya & Wang, Xiaona, 2023. "An exploratory study on users' resistance to mobile app updates: Using netnography and fsQCA," Technological Forecasting and Social Change, Elsevier, vol. 191(C).
    15. Liu, Aiping & Urquía-Grande, Elena & López-Sánchez, Pilar & Rodríguez-López, Ángel, 2022. "How technology paradoxes and self-efficacy affect the resistance of facial recognition technology in online microfinance platforms: Evidence from China," Technology in Society, Elsevier, vol. 70(C).
    16. Hew, Jun-Jie & Lee, Voon-Hsien & Leong, Lai-Ying, 2023. "Why do mobile consumers resist mobile commerce applications? A hybrid fsQCA-ANN analysis," Journal of Retailing and Consumer Services, Elsevier, vol. 75(C).
    17. Jebarajakirthy, Charles & Shankar, Amit, 2021. "Impact of online convenience on mobile banking adoption intention: A moderated mediation approach," Journal of Retailing and Consumer Services, Elsevier, vol. 58(C).
    18. Noopur Saxena & Navneet Gera & Mayur Taneja, 2023. "An empirical study on facilitators and inhibitors of adoption of mobile banking in India," Electronic Commerce Research, Springer, vol. 23(4), pages 2573-2604, December.
    19. Talwar, Manish & Talwar, Shalini & Kaur, Puneet & Tripathy, Naliniprava & Dhir, Amandeep, 2021. "Has financial attitude impacted the trading activity of retail investors during the COVID-19 pandemic?," Journal of Retailing and Consumer Services, Elsevier, vol. 58(C).
    20. Agarwal, Reeti & Mehrotra, Ankit & Sharma, Veenu & Papa, Armando & Malibari, Areej, 2023. "Over-the-top (OTT) retailing in the post pandemic world. Unveiling consumer drivers and barriers using a qualitative study," Journal of Retailing and Consumer Services, Elsevier, vol. 75(C).

    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:teinso:v:79:y:2024:i:c:s0160791x2400277x. 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/technology-in-society .

    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.