IDEAS home Printed from https://ideas.repec.org/a/pal/jofsma/v30y2025i3d10.1057_s41264-025-00314-x.html
   My bibliography  Save this article

Examining the factors influencing cybersecurity behaviors in m-payment contactless technologies using SEM–ANN approach

Author

Listed:
  • Hana Yousuf

    (The British University in Dubai)

  • Mostafa Al-Emran

    (Victorian Institute of Technology
    Engineering Technical College, Al-Bayan University)

  • Mohammed A. Al-Sharafi

    (King Fahd University of Petroleum and Minerals)

  • Khaled Shaalan

    (The British University in Dubai)

Abstract

The widespread adoption of mobile payment (m-payment) contactless technologies has revolutionized financial transactions by enhancing convenience and efficiency. However, these advancements have introduced new cybersecurity risks, making it critical to understand the behavioral drivers behind secure user practices. Therefore, this study develops a theoretical model integrating protection motivation theory (PMT), theory of planned behavior (TPB), and technology threat avoidance theory (TTAT), with the addition of cybersecurity awareness as a key construct to examine cybersecurity behaviors. A cross-sectional survey was conducted among 820 m-payment users. Data were analyzed using a hybrid approach that combines structural equation modeling (SEM) and artificial neural networks (ANN). The SEM analysis supported most of the proposed hypotheses, indicating strong linear relationships among the constructs. ANN analysis confirmed the robustness of the findings, revealing that cybersecurity awareness is the most influential determinant of cybersecurity behavior, with a normalized importance of 100%. The integration of cognitive, motivational, and social-behavioral theories provides a nuanced understanding of cybersecurity behavior in digital financial ecosystems. The findings offer theoretical contributions to the cybersecurity and financial services marketing literature and deliver actionable insights for policymakers and technology developers aiming to enhance secure user behavior in m-payment environments.

Suggested Citation

  • Hana Yousuf & Mostafa Al-Emran & Mohammed A. Al-Sharafi & Khaled Shaalan, 2025. "Examining the factors influencing cybersecurity behaviors in m-payment contactless technologies using SEM–ANN approach," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(3), pages 1-22, September.
    • Handle: RePEc:pal:jofsma:v:30:y:2025:i:3:d:10.1057_s41264-025-00314-x
    DOI: 10.1057/s41264-025-00314-x
    as

    Download full text from publisher

    File URL: http://link.springer.com/10.1057/s41264-025-00314-x
    File Function: Abstract
    Download Restriction: Access to the full text of the articles in this series is restricted.
    File URL: https://libkey.io/10.1057/s41264-025-00314-x?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

    for a different version of it.

    References listed on IDEAS

    as
    1. Teppo Felin & Nicolai J. Foss & Koen H. Heimeriks & Tammy L. Madsen, 2012. "Microfoundations of Routines and Capabilities: Individuals, Processes, and Structure," Journal of Management Studies, Wiley Blackwell, vol. 49(8), pages 1351-1374, December.
    2. Ilyoo Barry Hong, 2018. "Social and Personal Dimensions as Predictors of Sustainable Intention to Use Facebook in Korea: An Empirical Analysis," Sustainability, MDPI, vol. 10(8), pages 1-16, August.
    3. Merrill Warkentin & Allen C Johnston & Jordan Shropshire, 2011. "The influence of the informal social learning environment on information privacy policy compliance efficacy and intention," European Journal of Information Systems, Taylor & Francis Journals, vol. 20(3), pages 267-284, May.
    4. Ajzen, Icek, 1991. "The theory of planned behavior," Organizational Behavior and Human Decision Processes, Elsevier, vol. 50(2), pages 179-211, December.
    5. Noor Irliana Mohd Rahim & Noorminshah A. Iahad & Ahmad Fadhil Yusof & Mohammed A. Al-Sharafi, 2022. "AI-Based Chatbots Adoption Model for Higher-Education Institutions: A Hybrid PLS-SEM-Neural Network Modelling Approach," Sustainability, MDPI, vol. 14(19), pages 1-22, October.
    6. Muhammad Iskandar Hamzah, 2024. "Fear of COVID-19 disease and QR-based mobile payment adoption: a protection motivation perspective," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 946-963, September.
    7. Sahid Susilo Nugroho & Widya Paramita, 2024. "Trust-building mechanism for promoting mobile payments' continued use by small businesses in a developing country: tackling the perceived risk issue," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 936-945, September.
    8. I-Ju Hsieh & Yung Y Chen, 2017. "Determinants of aggressive behavior: Interactive effects of emotional regulation and inhibitory control," PLOS ONE, Public Library of Science, vol. 12(4), pages 1-9, April.
    9. Shalini Srivastava & Nidhi Singh, 2023. "An integrated model predicting customers’ continuance behavioral intention and recommendations of users: a study on mobile payment in emerging markets," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(2), pages 236-254, June.
    10. Sun, Tian & Di, Kaisheng & Hu, Jin & Shi, Qiumei & Irfan, Muhammad, 2025. "Digitally empowered green public services in environmentally vulnerable areas: Insights from SEM-ANN analysis," Journal of Retailing and Consumer Services, Elsevier, vol. 84(C).
    11. Muhammad Ali & Syed Ali Raza & Faiza Hakim & Chin-Hong Puah & Lee Yen Chaw, 2024. "An integrated framework for mobile payment in Pakistan: drivers, barriers, and facilitators of usage behavior," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(2), pages 257-275, June.
    12. Waseem Anwar & Amir Zaib Abbasi & Mousa Albashrawi & Ghazanfar Ali Abbasi & Umm-e-Habiba, 2024. "Asymmetric and symmetric approaches to the extension of UTAUT2 in the M-payment adoption of Pakistani apps," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 1175-1193, September.
    13. Donalds, Charlette & Osei-Bryson, Kweku-Muata, 2020. "Cybersecurity compliance behavior: Exploring the influences of individual decision style and other antecedents," International Journal of Information Management, Elsevier, vol. 51(C).
    14. Marija Ham & Marina Jeger & Anita Frajman Ivković, 2015. "The role of subjective norms in forming the intention to purchase green food," Economic Research-Ekonomska Istraživanja, Taylor & Francis Journals, vol. 28(1), pages 738-748, January.
    15. Ling Yang & Linda Lau & Huiqi Gan, 2020. "Investors’ perceptions of the cybersecurity risk management reporting framework," International Journal of Accounting & Information Management, Emerald Group Publishing Limited, vol. 28(1), pages 167-183, January.
    16. Li, Ling & He, Wu & Xu, Li & Ash, Ivan & Anwar, Mohd & Yuan, Xiaohong, 2019. "Investigating the impact of cybersecurity policy awareness on employees’ cybersecurity behavior," International Journal of Information Management, Elsevier, vol. 45(C), pages 13-24.
    17. Bee-Lia Chua & Amr Al-Ansi & Myong Jae Lee & Heesup Han, 2021. "Impact of health risk perception on avoidance of international travel in the wake of a pandemic," Current Issues in Tourism, Taylor & Francis Journals, vol. 24(7), pages 985-1002, April.
    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. Scuotto, Veronica & Beatrice, Orlando & Valentina, Cillo & Nicotra, Melita & Di Gioia, Leonardo & Farina Briamonte, Massimiliano, 2020. "Uncovering the micro-foundations of knowledge sharing in open innovation partnerships: An intention-based perspective of technology transfer," Technological Forecasting and Social Change, Elsevier, vol. 152(C).
    2. Canitgia Tambariki, 2024. "Drivers of banking consumers' cybersecurity behavior: Applying the extended protection motivation theory ," GATR Journals jmmr327, Global Academy of Training and Research (GATR) Enterprise.
    3. Tahereh Hasani & Norman O’Reilly & Ali Dehghantanha & Davar Rezania & Nadège Levallet, 2023. "Evaluating the adoption of cybersecurity and its influence on organizational performance," SN Business & Economics, Springer, vol. 3(5), pages 1-38, May.
    4. José Alberto Martínez-González & Carmen Dolores Álvarez-Albelo & Javier Mendoza-Jiménez & Urszula Kobylinska, 2022. "Predicting the Entrepreneurial Behaviour of Starting Up a New Company: A Regional Study Using PLS-SEM and Data from the Global Entrepreneurship Monitor," Mathematics, MDPI, vol. 10(5), pages 1-25, February.
    5. Sadrac Jean Pierre & Claudel Mombeuil, 2025. "The boomerang effect of positive word-of-mouth: understanding switching intentions in the mobile payment market," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(2), pages 1-24, June.
    6. Ahu Ergen & Ahmet Naci Ünal & Mehmet Sıtkı Saygili, 2021. "Is It Possible to Change the Cyber Security Behaviours of Employees? Barriers and Promoters," Academic Journal of Interdisciplinary Studies, Richtmann Publishing Ltd, vol. 10, July.
    7. Kwek Choon Ling & Mary Lee Siew Cheng & Cham Kai Sin & Alina Yap May Ling & Zhang Li, 2023. "The Determinants of Digital Piracy Behaviour in Malaysia," International Business Research, Canadian Center of Science and Education, vol. 16(3), pages 1-1, March.
    8. Cristel Joy G. Cayaban & Yogi Tri Prasetyo & Satria Fadil Persada & Rianina D. Borres & Ma. Janice J. Gumasing & Reny Nadlifatin, 2023. "The Influence of Social Media and Sustainability Advocacy on the Purchase Intention of Filipino Consumers in Fast Fashion," Sustainability, MDPI, vol. 15(11), pages 1-20, May.
    9. Eric R. Tacardon & Ardvin Kester S. Ong & Ma. Janice J. Gumasing, 2023. "The Perception of Food Quality and Food Value among the Purchasing Intentions of Street Foods in the Capital of the Philippines," Sustainability, MDPI, vol. 15(16), pages 1-20, August.
    10. Jafari-Sadeghi, Vahid & Amoozad Mahdiraji, Hannan & Alam, Gazi Mahabubul & Mazzoleni, Alberto, 2023. "Entrepreneurs as strategic transformation managers: Exploring micro-foundations of digital transformation in small and medium internationalisers," Journal of Business Research, Elsevier, vol. 154(C).
    11. Hale Özgit & Umar Saleem, 2025. "Travel Choice: Is Climate Change a Barrier?," Sustainability, MDPI, vol. 17(13), pages 1-20, June.
    12. Maria Andersson & Ola Eriksson & Chris Von Borgstede, 2012. "The Effects of Environmental Management Systems on Source Separation in the Work and Home Settings," Sustainability, MDPI, vol. 4(6), pages 1-17, June.
    13. Tran Huy Phuong & Thanh Trung Hieu, 2015. "Predictors of Entrepreneurial Intentions of Undergraduate Students in Vietnam: An Empirical Study," International Journal of Academic Research in Business and Social Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences, vol. 5(8), pages 46-55, August.
    14. Peng Cheng & Zhe Ouyang & Yang Liu, 0. "The effect of information overload on the intention of consumers to adopt electric vehicles," Transportation, Springer, vol. 0, pages 1-20.
    15. Alsalem, Amani & Fry, Marie-Louise & Thaichon, Park, 2020. "To donate or to waste it: Understanding posthumous organ donation attitude," Australasian marketing journal, Elsevier, vol. 28(3), pages 87-97.
    16. Mohammed Akhmaaj, Asmaeil Ali & Sharif, Mohamed Omar, 2024. "The effects of planned behavior model constructs and technology acceptance model constructs on online purchasing behavior: An empirical study on internet users in the Libya city of Tripoli," Technology in Society, Elsevier, vol. 79(C).
    17. Benoît Lécureux & Adrien Bonnet & Ouassim Manout & Jaâfar Berrada & Louafi Bouzouina, 2022. "Acceptance of Shared Autonomous Vehicles: A Literature Review of stated choice experiments," Working Papers hal-03814947, HAL.
    18. Kristin Thomas & Evalill Nilsson & Karin Festin & Pontus Henriksson & Mats Lowén & Marie Löf & Margareta Kristenson, 2020. "Associations of Psychosocial Factors with Multiple Health Behaviors: A Population-Based Study of Middle-Aged Men and Women," IJERPH, MDPI, vol. 17(4), pages 1-17, February.
    19. Kamruzzaman, Md. & Baker, Douglas & Washington, Simon & Turrell, Gavin, 2013. "Residential dissonance and mode choice," Journal of Transport Geography, Elsevier, vol. 33(C), pages 12-28.
    20. Ficko, Andrej & Boncina, Andrej, 2013. "Probabilistic typology of management decision making in private forest properties," Forest Policy and Economics, Elsevier, vol. 27(C), pages 34-43.

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;
    ;

    Statistics

    Access and download statistics

    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:pal:jofsma:v:30:y:2025:i:3:d:10.1057_s41264-025-00314-x. 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: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.palgrave.com .

    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.