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Mobile Payment Adoption in China: A Comment on Vatsa et al

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  • Muzaffarjon Ahunov
  • Leo Van Hove

Abstract

Vatsa et al. examine the determinants of mobile payment adoption in China. They do so by applying a probit model to data from a nationally representative survey. In this comment, we identify several conceptual and econometric limitations that affect the robustness of Vatsa et al.'s findings. By improving the methodological approach—most notably by accounting for potential selection bias—we find substantially different results: Health status and party membership are no longer statistically significant, the effects of economic status and social participation prove to be nonlinear, and the impact of most other factors differs in magnitude. When we, in a final step, also try to improve upon Vatsa et al.'s specification, we find, for a sample consisting of mobile phone owners, that the new constructs digital skills and internet experience have a significant positive impact on mobile payment use. Conversely, privacy concerns do not.

Suggested Citation

  • Muzaffarjon Ahunov & Leo Van Hove, 2026. "Mobile Payment Adoption in China: A Comment on Vatsa et al," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 47(2), pages 425-437, March.
    • Handle: RePEc:wly:mgtdec:v:47:y:2026:i:2:p:425-437
    DOI: 10.1002/mde.70047
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    References listed on IDEAS

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    1. Yang, Wei & Vatsa, Puneet & Ma, Wanglin & Zheng, Hongyun, 2023. "Does mobile payment adoption really increase online shopping expenditure in China: A gender-differential analysis," Economic Analysis and Policy, Elsevier, vol. 77(C), pages 99-110.
    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. Zhunzhun Liu & Shenglin Ben & Ruidong Zhang, 2019. "Factors affecting consumers’ mobile payment behavior: a meta-analysis," Electronic Commerce Research, Springer, vol. 19(3), pages 575-601, September.
    4. Zhenyu Sun & Wei Sun & Hongliang Gao & Ruobing Fa & Shaofan Chen & Dongfu Qian, 2023. "Digital Inclusion, Cultural Capital, and Health Status of Urban and Rural Residents: An Empirical Study Based on 2017 CGSS Database," IJERPH, MDPI, vol. 20(5), pages 1-14, February.
    5. repec:ejw:journl:v:22:y:2025:i:1:p:69-90 is not listed on IDEAS
    6. Yu Zhang & Hanyang Cao & Wang Zhang & Yating Wang, 2023. "How Digital Skills Influence on Digital Participation in China? The Mediating Roles of Online Interpersonal Communication and Online Immersion," SAGE Open, , vol. 13(4), pages 21582440231, December.
    7. Qing Wang & Chengjun Liu & Sai Lan, 2023. "Digital literacy and financial market participation of middle-aged and elderly adults in China," Economic and Political Studies, Taylor & Francis Journals, vol. 11(4), pages 441-468, October.
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