IDEAS home Printed from https://ideas.repec.org/a/sae/globus/v24y2023i4p609-625.html

Role of Mediator in Examining the Influence of Antecedents of Mobile Wallet Adoption on Attitude and Intention

Author

Listed:
  • Deepak Chawla
  • Himanshu Joshi

Abstract

The purpose of this article is to explore the mediating role of perceived usefulness, trust and attitude on a user’s intention towards use of mobile wallets in India. While mediation has been studied by earlier researchers in the context of online commerce, mobile banking, short message service (SMS) banking, mobile money, etc., not many studies exist in the context of mobile wallets. Considering the potential of mobile wallets in India, previous relationships from the theories of technology adoption like technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) were adapted to investigate the determinants of user attitude and intention towards mobile wallet adoption. Based on data from 744 respondents collected through a survey, partial least squares (PLS) structural equation modelling was used to test the research model. Convenience sampling was used to select the respondents. The results revealed that out of the nine paths wherein mediation was examined, in two paths full mediation was found while it was partial in the remaining cases. This study extends research in explaining attitude and intention through multiple mediating relationships. The implications for research and practice and future research directions are discussed.

Suggested Citation

  • Deepak Chawla & Himanshu Joshi, 2023. "Role of Mediator in Examining the Influence of Antecedents of Mobile Wallet Adoption on Attitude and Intention," Global Business Review, International Management Institute, vol. 24(4), pages 609-625, August.
    • Handle: RePEc:sae:globus:v:24:y:2023:i:4:p:609-625
    DOI: 10.1177/0972150920924506
    as

    Download full text from publisher

    File URL: https://journals.sagepub.com/doi/10.1177/0972150920924506
    Download Restriction: no
    File URL: https://libkey.io/10.1177/0972150920924506?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. Muslim Amin & Sajad Rezaei & Maryam Abolghasemi, 2014. "User satisfaction with mobile websites: the impact of perceived usefulness (PU), perceived ease of use (PEOU) and trust," Nankai Business Review International, Emerald Group Publishing Limited, vol. 5(3), pages 258-274, July.
    2. V.V. Ravi Kumar & Anurag Lall & Tanmay Mane, 2017. "Extending the TAM Model: Intention of Management Students to Use Mobile Banking: Evidence from India," Global Business Review, International Management Institute, vol. 18(1), pages 238-249, February.
    3. Revels, Janeaya & Tojib, Dewi & Tsarenko, Yelena, 2010. "Understanding consumer intention to use mobile services," Australasian marketing journal, Elsevier, vol. 18(2), pages 74-80.
    4. Muslim Amin & Sajad Rezaei & Maryam Abolghasemi, 2014. "User satisfaction with mobile websites: the impact of perceived usefulness (PU), perceived ease of use (PEOU) and trust," Nankai Business Review International, Emerald Group Publishing Limited, vol. 5(3), pages 258-274, July.
    5. Lin, Hsiu-Fen, 2011. "An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust," International Journal of Information Management, Elsevier, vol. 31(3), pages 252-260.
    6. Hans van der Heijden & Tibert Verhagen & Marcel Creemers, 2003. "Understanding online purchase intentions: contributions from technology and trust perspectives," European Journal of Information Systems, Taylor & Francis Journals, vol. 12(1), pages 41-48, March.
    7. Kim, Myung-Ja & Chung, Namho & Lee, Choong-Ki, 2011. "The effect of perceived trust on electronic commerce: Shopping online for tourism products and services in South Korea," Tourism Management, Elsevier, vol. 32(2), pages 256-265.
    8. Shaw, Norman, 2014. "The mediating influence of trust in the adoption of the mobile wallet," Journal of Retailing and Consumer Services, Elsevier, vol. 21(4), pages 449-459.
    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. Bindu K. Nambiar & Kartikeya Bolar, 2023. "Factors influencing customer preference of cardless technology over the card for cash withdrawals: an extended technology acceptance model," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(1), pages 58-73, March.
    2. Prashant Tiwari & Shiv Kant Tiwari & Ashish Gupta, 2021. "Examining the Impact of Customers’ Awareness, Risk and Trust in M-Banking Adoption," FIIB Business Review, , vol. 10(4), pages 413-423, December.
    3. Sujeeth Ungratwar & Dipasha Sharma & Satish Kumar, 2025. "Mapping the digital banking landscape: a multi-dimensional exploration of fintech, digital payments, and e-wallets, with insights into current scenarios and future research," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 12(1), pages 1-22, December.
    4. Sagan Mariusz & Sannegadu Rajesh & Pudaruth Sameerchand & Juwaheer Thanika Devi & Lamport John Matthew, 2024. "A qualitative study to explore the drivers, perceived benefits, and barriers of mobile marketing adoption – the case of Mauritius," International Journal of Management and Economics, Warsaw School of Economics, Collegium of World Economy, vol. 60(4), pages 259-271.
    5. repec:bcp:journl:v:9:y:2025:i:12:p:896-909 is not listed on IDEAS
    6. Khondaker Sazzadul Karim & Mohammad Ekramol Islam & Abdullah Mohammed Ibrahim & Shin-Hung Pan & Md. Mominur Rahman, 2023. "Online Marketing Trends and Purchasing Intent Advances in Customer Satisfaction through PLS-SEM and ANN Approach," Advances in Decision Sciences, Asia University, Taiwan, vol. 27(4), pages 24-54, December.
    7. Mohamad Haziq Izzuddin Baharin & Muhammad Izzat Zulkifly & Zurena Shahril & Mohd Aliff Abdul Majid, 2025. "How Customers Decide: Unveiling the Drivers of Customers’ Online Purchase Behavior on Online Food Delivery Apps," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(1), pages 1922-1946, January.
    8. Kashfia Maisha & Sabakun Naher Shetu, 2023. "Influencing factors of e-learning adoption amongst students in a developing country: the post-pandemic scenario in Bangladesh," Future Business Journal, Springer, vol. 9(1), pages 1-16, December.
    9. Gehad Mohammed Ahmed Naji & Khairul Shafee Kalid & K. S. Savita, 2024. "The Moderating Effect of App Trustworthiness and User Attitudes on Intention to Use Adopt Mobile Applications Among Employees in The Oil and Gas Industry," SAGE Open, , vol. 14(4), pages 21582440241, October.
    10. Sonali Singh & Sumeet Singh Jasial & Richa Misra & Ajay Bansal, 2024. "Online Retail Service Quality: What Matters Most for Customer Satisfaction?," FIIB Business Review, , vol. 13(5), pages 600-615, October.
    11. Malina Hanum Mohd Kamal & Noristisarah Abd Shattar & Farisya Idayu Azhar & Tuan Sharifah Irene Natasha Tuan Ahmad Jafri & Ema Maliha Mohd Kamal, 2025. "Perceived Value Dimensions and Guest Satisfaction: An Analysis of Functional, Social and Emotional Values in Five-Star Hotel Organizations," Information Management and Business Review, AMH International, vol. 17(1), pages 192-200.
    12. Deepak Chawla & Himanshu Joshi, 2025. "Degree of Awareness and the Antecedents of the Digital Media Platform: The Case of Mobile Wallets," FIIB Business Review, , vol. 14(4), pages 491-506, August.
    13. Maria Tsourela & Dafni-Maria Nerantzaki, 2020. "An Internet of Things (IoT) Acceptance Model. Assessing Consumer’s Behavior toward IoT Products and Applications," Future Internet, MDPI, vol. 12(11), pages 1-23, November.
    14. Nilashi, Mehrbakhsh & Abumalloh, Rabab Ali & Samad, Sarminah & Alrizq, Mesfer & Alyami, Sultan & Alghamdi, Abdullah, 2023. "Analysis of customers' satisfaction with baby products: The moderating role of brand image," Journal of Retailing and Consumer Services, Elsevier, vol. 73(C).
    15. Sajad Rezaei & Muslim Amin & Halimin Herjanto, 2024. "Pay-per-click (PPC) advertising and continuous banking service intentions," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(4), pages 1542-1558, December.
    16. Saleh Yahya Alghamdi & Sumeet Kaur & Karishma M Qureshi & Ali Saeed Almuflih & Naif Almakayeel & Saleh Alsulamy & Mohamed Rafik N Qureshi, 2023. "Antecedents for online food delivery platform leading to continuance usage intention via e-word-of-mouth review adoption," PLOS ONE, Public Library of Science, vol. 18(8), pages 1-18, August.
    17. Imad Ait Lhassan & Oumayma Bedraoui & Otmane Akhannich, 2022. "The Impact of Digital Transformation on the Satisfaction of Tax Administration Users in Morocco during the Covid-19 Pandemic: An Empirical Study," Post-Print hal-03649249, HAL.
    18. Athapol Ruangkanjanases & Asif Khan & Ornlatcha Sivarak & Untung Rahardja & Shih-Chih Chen, 2024. "Modeling the Consumers’ Flow Experience in E-commerce: The Integration of ECM and TAM with the Antecedents of Flow Experience," SAGE Open, , vol. 14(2), pages 21582440241, June.
    19. Hyeon Jo & Youngsok Bang, 2024. "Switching Intent in Smart Factories: Understanding Key Influencers," SAGE Open, , vol. 14(3), pages 21582440241, September.
    20. Budhi Cahyono & Chrisna Suhendi & Ahmad Suffian Mohd Zahari & Rosman Mahmood, 2025. "Antecedent and Consequence of Implementation Information Technology Adoption at Small Medium Enterprise (SMEs)," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(1), pages 22874-22888, January.
    21. Rahimizhian, Sima & Ozturen, Ali & Ilkan, Mustafa, 2020. "Emerging realm of 360-degree technology to promote tourism destination," Technology in Society, Elsevier, vol. 63(C).

    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:sae:globus:v:24:y:2023:i:4:p:609-625. 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: SAGE Publications (email available below). General contact details of provider: http://www.imi.edu/ .

    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.