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Mobile financial services: paying with my palm – as simple as that!

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  • Avornyo, Philip
  • Xiao, Lin
  • Opata, Christian Narh
  • Avornyo, Selasie

Abstract

As Mobile Financial Services payment methods advance, the Palm Payment Method (PPM) demonstrates some commercial potential. However, this potential is still emerging, particularly in global adoption contexts. While previous studies have examined PPM from a technical performance perspective, this approach is not entirely realistic, as the consumer behavior perspective, specifically the simple view of the method is needed for PPM to occur. Therefore, this study includes users’ perceptions of simplicity of PPM into an extended mobile technology acceptance model for PPM context. An empirical investigation, based on WeChat voice and video call interviews with international students living in China, as potential users, supports the research model. The findings reveal that perceived simplicity has a strong positive effect on both acceptance of PPM and its key determinant. By incorporating this construct into mobile technology acceptance theory, this study enhances the understanding of PPM adoption and provides valuable insights for researchers and industry practitioners.

Suggested Citation

  • Avornyo, Philip & Xiao, Lin & Opata, Christian Narh & Avornyo, Selasie, 2026. "Mobile financial services: paying with my palm – as simple as that!," Telecommunications Policy, Elsevier, vol. 50(3).
    • Handle: RePEc:eee:telpol:v:50:y:2026:i:3:s0308596125002459
    DOI: 10.1016/j.telpol.2025.103148
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