IDEAS home Printed from https://ideas.repec.org/a/plo/pone00/0287300.html
   My bibliography  Save this article

Modelling the mass adoption of mobile payment for e-hailing services using SEM-MGA

Author

Listed:
  • Siyu Long
  • Abdullah Al Mamun
  • Qing Yang
  • Jingzu Gao
  • Wan Mohd Hirwani Wan Hussain
  • Sayed Samer Ali Al Shami

Abstract

Secured financial transactions can now be conveniently made via mobile devices for various products and services, such as e-hailing. However, limited research exists on the factors influencing the adoption of mobile payments specifically for e-hailing services, despite the growing interest in mobile payments in China. This cross-sectional study quantitatively assessed the influence of perceived usefulness, perceived ease of use, social influence, facilitating conditions, perceived security, and lifestyle compatibility on the intention to adopt and the actual adoption of mobile payment for e-hailing services. An online self-administered survey was conducted, involving 413 respondents from China. The results revealed a significant positive influence of perceived ease of use, social influence, facilitating conditions, and perceived security on the intention to adopt mobile payment. Additionally, the study found that the intention to adopt mobile payment positively influenced the actual adoption of mobile payments. Meanwhile, perceived usefulness and lifestyle compatibility demonstrated an insignificant influence on the intention to adopt mobile payments. Subgroup analysis further revealed gender-based differences, indicating that the influence of the intention to adopt mobile payment on the adoption of mobile payment for e-hailing services varied significantly between male and female respondents. Furthermore, the influence of facilitating conditions on the intention to adopt mobile payment for e-hailing services also differed significantly among respondents of different age groups. These findings contribute to a better understanding of the factors influencing the adoption of mobile payment for e-hailing services and provide insights for service providers and policymakers in promoting its adoption.

Suggested Citation

  • Siyu Long & Abdullah Al Mamun & Qing Yang & Jingzu Gao & Wan Mohd Hirwani Wan Hussain & Sayed Samer Ali Al Shami, 2023. "Modelling the mass adoption of mobile payment for e-hailing services using SEM-MGA," PLOS ONE, Public Library of Science, vol. 18(10), pages 1-20, October.
    • Handle: RePEc:plo:pone00:0287300
    DOI: 10.1371/journal.pone.0287300
    as

    Download full text from publisher

    File URL: https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0287300
    Download Restriction: no
    File URL: https://journals.plos.org/plosone/article/file?id=10.1371/journal.pone.0287300&type=printable
    Download Restriction: no
    File URL: https://libkey.io/10.1371/journal.pone.0287300?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
    ---><---

    References listed on IDEAS

    as
    1. Osakwe, Christian Nedu & Hudik, Marek & Říha, David & Stros, Michael & Ramayah, T., 2022. "Critical factors characterizing consumers’ intentions to use drones for last-mile delivery: Does delivery risk matter?," Journal of Retailing and Consumer Services, Elsevier, vol. 65(C).
    2. Kamal Abubker Abrahim Sleiman & Lan Juanli & Hongzhen Lei & Ru Liu & Yuanxin Ouyang & Wenge Rong, 2021. "User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis," SAGE Open, , vol. 11(4), pages 21582440211, November.
    3. 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.
    4. Jack Linzhou Xing, 2022. "Driving as communities: Chinese taxi drivers’ technology, job, and mobility choices under the pressure of e-hailing," Mobilities, Taylor & Francis Journals, vol. 17(5), pages 676-694, September.
    5. Qing Yang & Naeem Hayat & Abdullah Al Mamun & Zafir Khan Mohamed Makhbul & Noor Raihani Zainol, 2022. "Sustainable customer retention through social media marketing activities using hybrid SEM-neural network approach," PLOS ONE, Public Library of Science, vol. 17(3), pages 1-23, March.
    6. Imdadullah Hidayat-ur-Rehman & Arshad Ahmad & Fahim Akhter & Mohd Ziaur Rehman, 2022. "Examining Consumers’ Adoption of Smart Wearable Payments," SAGE Open, , vol. 12(3), pages 21582440221, August.
    7. Liébana-Cabanillas, Francisco & Marinkovic, Veljko & Ramos de Luna, Iviane & Kalinic, Zoran, 2018. "Predicting the determinants of mobile payment acceptance: A hybrid SEM-neural network approach," Technological Forecasting and Social Change, Elsevier, vol. 129(C), pages 117-130.
    8. Lee, Jiyoon & Ryu, Min Ho & Lee, Daeho, 2019. "A study on the reciprocal relationship between user perception and retailer perception on platform-based mobile payment service," Journal of Retailing and Consumer Services, Elsevier, vol. 48(C), pages 7-15.
    9. Nguyen Dong Phong & Nguyen Huu Khoi & Angelina Nhat-Hanh Le, 2018. "Factors affecting mobile shopping: a Vietnamese perspective," Journal of Asian Business and Economic Studies, Emerald Group Publishing Limited, vol. 25(2), pages 186-205, September.
    10. Leong, Lai-Ying & Hew, Teck-Soon & Ooi, Keng-Boon & Wei, June, 2020. "Predicting mobile wallet resistance: A two-staged structural equation modeling-artificial neural network approach," International Journal of Information Management, Elsevier, vol. 51(C).
    11. Daragmeh, Ahmad & Lentner, Csaba & Sági, Judit, 2021. "FinTech payments in the era of COVID-19: Factors influencing behavioral intentions of “Generation X” in Hungary to use mobile payment," Journal of Behavioral and Experimental Finance, Elsevier, vol. 32(C).
    12. Hiba Alhassany & Faisal Faisal, 2018. "Factors influencing the internet banking adoption decision in North Cyprus: an evidence from the partial least square approach of the structural equation modeling," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 4(1), pages 1-21, December.
    13. Mahmaod Alrawad & Abdalwali Lutfi & Sundus Alyatama & Ibrahim A. Elshaer & Mohammed Amin Almaiah, 2022. "Perception of Occupational and Environmental Risks and Hazards among Mineworkers: A Psychometric Paradigm Approach," IJERPH, MDPI, vol. 19(6), pages 1-12, March.
    14. Viswanath Venkatesh & Fred D. Davis, 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science, INFORMS, vol. 46(2), pages 186-204, February.
    15. Yuxin Chen & Xinxin Li & Monic Sun, 2017. "Competitive Mobile Geo Targeting," Marketing Science, INFORMS, vol. 36(5), pages 666-682, September.
    16. Shaw, Norman & Sergueeva, Ksenia, 2019. "The non-monetary benefits of mobile commerce: Extending UTAUT2 with perceived value," International Journal of Information Management, Elsevier, vol. 45(C), pages 44-55.
    17. 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).
    18. Jiaxin Zhang & Yan Luximon & Yao Song, 2019. "The Role of Consumers’ Perceived Security, Perceived Control, Interface Design Features, and Conscientiousness in Continuous Use of Mobile Payment Services," Sustainability, MDPI, vol. 11(23), pages 1-16, December.
    19. Shifeng Wu & Emily Ma & Jiangyun Wang & Dan Li, 2022. "Experience with Travel Mobile Apps and Travel Intentions—The Case of University Students in China," Sustainability, MDPI, vol. 14(19), pages 1-16, October.
    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. Wu, Jiaqi & Liu, Xin & Zhang, Chenghu, 2024. "Unveiling the influencing mechanism underlying users’ adoption and recommend intentions of central bank digital currency: A behavioral reasoning theory perspective," Journal of Retailing and Consumer Services, Elsevier, vol. 81(C).
    2. Dash, Ganesh & Sharma, Kiran & Yadav, Neha, 2023. "The diffusion of mobile payments: Profiling the adopters and non-adopters, Roger's way," Journal of Retailing and Consumer Services, Elsevier, vol. 71(C).
    3. Irma Agárdi & Mónika Anetta Alt, 2024. "Do digital natives use mobile payment differently than digital immigrants? A comparative study between generation X and Z," Electronic Commerce Research, Springer, vol. 24(3), pages 1463-1490, September.
    4. 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).
    5. 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).
    6. Abbasi, Ghazanfar Ali & Sandran, Thiviya & Ganesan, Yuvaraj & Iranmanesh, Mohammad, 2022. "Go cashless! Determinants of continuance intention to use E-wallet apps: A hybrid approach using PLS-SEM and fsQCA," Technology in Society, Elsevier, vol. 68(C).
    7. Nurul-Ain Abdul-Halim & Ali Vafaei-Zadeh & Haniruzila Hanifah & Ai Ping Teoh & Khaled Nawaser, 2022. "Understanding the determinants of e-wallet continuance usage intention in Malaysia," Quality & Quantity: International Journal of Methodology, Springer, vol. 56(5), pages 3413-3439, October.
    8. de Blanes Sebastián, María García & Antonovica, Arta & Sarmiento Guede, José Ramón, 2023. "What are the leading factors for using Spanish peer-to-peer mobile payment platform Bizum? The applied analysis of the UTAUT2 model," Technological Forecasting and Social Change, Elsevier, vol. 187(C).
    9. Komlan Gbongli & Yongan Xu & Komi Mawugbe Amedjonekou, 2019. "Extended Technology Acceptance Model to Predict Mobile-Based Money Acceptance and Sustainability: A Multi-Analytical Structural Equation Modeling and Neural Network Approach," Sustainability, MDPI, vol. 11(13), pages 1-33, July.
    10. Yoonyoung Hwang & Sangwook Park & Nina Shin, 2021. "Sustainable Development of a Mobile Payment Security Environment Using Fintech Solutions," Sustainability, MDPI, vol. 13(15), pages 1-15, July.
    11. Wang, Guoqiang & Tan, Garry Wei-Han & Yuan, Yunpeng & Ooi, Keng-Boon & Dwivedi, Yogesh K., 2022. "Revisiting TAM2 in behavioral targeting advertising: A deep learning-based dual-stage SEM-ANN analysis," Technological Forecasting and Social Change, Elsevier, vol. 175(C).
    12. 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.
    13. Xuechao Sui & Xianhui Geng, 2021. "Continuous usage intention to e-transaction cards in wholesale markets of agriproducts: empirical evidence from China," Future Business Journal, Springer, vol. 7(1), pages 1-13, December.
    14. Hiran, Kamal Kant & Dadhich, Manish, 2024. "Predicting the core determinants of cloud-edge computing adoption (CECA) for sustainable development in the higher education institutions of Africa: A high order SEM-ANN analytical approach," Technological Forecasting and Social Change, Elsevier, vol. 199(C).
    15. Shafiqul Islam & Mohammad Fakhrul Islam & Noor-E- Zannat, 2023. "Behavioral Intention to Use Online for Shopping in Bangladesh: A Technology Acceptance Model Analysis," SAGE Open, , vol. 13(3), pages 21582440231, September.
    16. Alrawad, Mahmaod & Lutfi, Abdalwali & Alyatama, Sundus & Al Khattab, Adel & Alsoboa, Sliman S. & Almaiah, Mohammed Amin & Ramadan, Mujtaba Hashim & Arafa, Hussin Mostafa & Ahmed, Nazar Ali & Alsyouf, , 2023. "Assessing customers perception of online shopping risks: A structural equation modeling–based multigroup analysis," Journal of Retailing and Consumer Services, Elsevier, vol. 71(C).
    17. Schmidt, Sebastian & Saraceni, Adriana, 2024. "Consumer acceptance of drone-based technology for last mile delivery," Research in Transportation Economics, Elsevier, vol. 103(C).
    18. Yadgar Taha M. Hamakhan, 2020. "The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 6(1), pages 1-29, December.
    19. Asad Ahmad & Dag Øivind Madsen & Swati Garg, 2025. "How satisfied am I with mobile wallets? Exploring the nexus between MSQual, hedonism, and satisfaction," Future Business Journal, Springer, vol. 11(1), pages 1-11, December.
    20. Giovanis, Apostolos & Rizomyliotis, Ioannis & Konstantoulaki, Kleopatra & Magrizos, Solon, 2022. "Mining the hidden seam of proximity m-payment adoption: A hybrid PLS-artificial neural network analytical approach," European Management Journal, Elsevier, vol. 40(4), pages 618-631.

    More about this item

    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:plo:pone00:0287300. 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: plosone (email available below). General contact details of provider: https://journals.plos.org/plosone/ .

    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.