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Modelling customers' intentions to use contactless cards


  • Michal Polasik
  • Tomasz Piotr Wisniewski
  • Geoffrey Lightfoot


Since their introduction in the USA in 2002, contactless card payment systems have been widely regarded as the pinnacle of current retail banking technology. However, the potential demand and usage of this innovation has hitherto received little attention from the academic community. Ours is one of the first papers that explore the factors that are likely to govern acceptance and intentions to take-up the technology. The analysis utilises the methodological framework of the technology acceptance model (Davis, 1989; Davis et al., 1989) and develops a range of empirical representations. Our results lend support to the TAM conceptualisation and also indicate that some demographic characteristics imprint upon the intentions of potential users.

Suggested Citation

  • Michal Polasik & Tomasz Piotr Wisniewski & Geoffrey Lightfoot, 2012. "Modelling customers' intentions to use contactless cards," International Journal of Banking, Accounting and Finance, Inderscience Enterprises Ltd, vol. 4(3), pages 203-231.
  • Handle: RePEc:ids:injbaf:v:4:y:2012:i:3:p:203-231

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    Cited by:

    1. Michal Polasik & Dariusz Piotrowski, 2016. "Payment innovations in Poland: a new approach of the banking sector to introducing payment solutions," Ekonomia i Prawo, Uniwersytet Mikolaja Kopernika, vol. 15(1), pages 103-131, March.
    2. Jonathan Liebenau & Silvia Elaluf-Calderwood & Gus Hosein & Patrik Kärrberg, 2011. "Near field communications: privacy, regulation & business models," LSE Research Online Documents on Economics 39076, London School of Economics and Political Science, LSE Library.
    3. Lightfoot, Geoffrey & Wisniewski, Tomasz, 2014. "Information Asymmetry and Power in a Surveillance Society," MPRA Paper 53109, University Library of Munich, Germany.
    4. Michal Polasik & Dariusz Piotrowski, 2016. "Payment innovations in Poland: the role of payment services in the strategies of commercial banksà," Ekonomia i Prawo, Uniwersytet Mikolaja Kopernika, vol. 15(1), pages 73-101, March.


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