Reframing m-payment continuance: a communication-based systematic review

Aim/Purpose: Mobile commerce adoption is low in developing countries; hence, public servants may not consider mobile commerce and mobile payments. Understanding the factors that influence mobile commerce and mobile payments in their context will aid in promoting those services. Background: The study investigates the factors that influence public servants’ mobile commerce and mobile payments in Ghana. Hence, it provides some understanding of the various aspects of mobile commerce and mobile payments adoption, such as acceptance, use, and eventual adoption into the user’s daily life, and how that affects their behaviour. Methodology: The research was conducted by surveying the factors influencing public servants’ adoption of mobile commerce and payments in Ghana. A cross-sectional survey was undertaken to put the research model to the test to measure the constructs and their relationships. Contribution: The study confirmed previous findings and created a new conceptual model for mobile commerce and mobile payment adoption and usage in the Ghanaian context. Findings: The variables of performance expectancy, trust, and facilitating conditions have a significant positive influence on behavioural intention. The factors of effort expectation and social influence have a significant negative impact. Price value and perceived reliability are latent variables that do not affect behavioural intention. Behavioural intention and facilitating conditions significantly influence the actual use behaviour of mobile commerce and mobile payment users. Recommendations for Practitioners: Mobile commerce is emerging as a new mode of transactions, with firms providing enabling platforms for users. Mobile commerce could become the most acceptable application for the next generation of mobile platform applications. This study offers insights into the fluidity of the mobile environment, with implications that spell out what will be effective mobile commerce services that will continue to be relevant. Mobile applications are attractive to people because they provide a better user experience. These mobile applications have been optimised to provide a fast, easy and delightful experience. Mobile commerce and mobile payment service providers can attract and retain more users if attention is paid to performance expectancy, trust, and facilitating conditions since they influence individuals’ decisions to adopt. Mobile technology is almost ubiquitous, influencing both online sales and in-store sales. With the right mobile commerce platform and features, businesses can expect to increase in-store and online sales, catering to a more extensive clientele. Mobile devices are the primary means that most customers use to look up information about products they see in stores, such as product reviews and pricing options. This study indicates that mobile commerce service providers can achieve a more extensive customer base by promoting performance expectancy, trust, and behavioural intentions. Recommendation for Researchers: Despite the numerous studies in the mobile commerce literature, few have used integrated models of perceived reliability, trust, and price value or methods to evaluate these factors in the emerging mobile commerce industry. Also, it combines mobile commerce and mobile payments, which very few that we know of have done. Impact on Society: Ghana is already in a cash-lite economy. Thus, the study is appropriate with the result of trust being a significant factor. It implies that people will begin using mobile commerce and mobile payments with a bit of drive to bring about this drive quickly. Future Research: Future research could further test the adapted model with moderating factors of age, gender, and education to delve deeper into the complexities of mobile commerce and mobile payments.

Financial inclusion refers to the use of financial services such as electronic money. Digital money receives tremendous attention globally, from buyers to sellers, as an alternative form of payment. The passions on this technology enormous and infectious, therefore attracting more followers from large merchant to smaller one including the cooperative. School cooperative serves as a center of economic with a wide range of activities, such as mini market, canteen, to serve the needs of students, teachers, and people in the surrounding area. One of the programs launched by the Central Bank of Indonesia is a financial inclusion to increase the financial literacy of people living in the remote area. In this case, Islamic conventional boarding school cooperative can become influencers in most of the surrounding community to attract people’s interest to adopt the technology. The purpose of this inquiry is to find out factors influencing the adoption of mobile payment and user’s intention and decision to adopt m-payment. Authors proposed an innovative research model based on the theory of technology acceptance model with the innovation characteristics of the diffusion of innovations, perceived security and intention to recommend the technology. The research model has empirically tested at 205 employees Islamic boarding schools across four regions. The independent variables under study include perceived ease of use, perceived usefulness, perceived credibility, subjective norms, and trust while the dependent variables are mobile payment adoption and intention to recommend the technology. The study uses structural equation modeling as a tool for analysis. The result indicated that perceived ease of use, perceived usefulness, and subjective norms have a significant influence on the adoption of mobile payment. The study also confirmed the relevance of users’ intention to recommend mobile payment technology. Thus, future research needs to include social media campaigns and technology adoption studies. For researchers, the result of this study act as a basis for further refinement of personal technology acceptance model. For practitioners, understanding the key constructs is crucial to design, refine, and implement mobile payment services, applications, and products that achieve high consumer acceptance, value, and high rates of positive recommendations in social networks.

Purpose Global digital payment transactions increase continuously. Due to the inconsistencies that occurred across the research findings, past researchers have called for further investigation to verify and empirically test the mobile payment acceptance model. The purpose of this paper is to develop an integrative model that is derived from the multiple technology acceptance models (TAM)’s a theoretical framework and past literature to understand how consumers decided to adopt mobile payment. By simultaneously testing mechanisms, namely, ease of use, usefulness and risk, the current study will be able to advance scholarly knowledge of the underlying consumer’s attitude and behavior that link social influence to intention to use. Design/methodology/approach A total of 370 valid responses were collected using self-administered questionnaires distributed via online platforms, a representative for Thai consumers. An ordinary least square regression and bootstrap analyzes were conducted through PROCESS Macro to analyze the moderated serial-multiple mediation model in the consecutive inducing of social influence, perceived ease of use, perceived usefulness and perceived risk toward the consumer’s intention to use mobile payment. Findings Within the context of consumers evaluating a mobile payment, statistics significant were found for the hypothesized direct and indirect effects of perceived ease of use and perceived usefulness on an intention to use. The results showed that Thai consumers’ intention to use mobile payment was significantly affected by their attitudes in terms of usefulness and the less complication in using the applications. It is confirmed that social influence indirectly affects intention to use via the increase of perceived ease of use and perceived usefulness. The study also found a significant interaction between perceived risk and perceived usefulness toward intention to use. Practical implications It is recommended to service providers to continue improving the user-friendliness, navigation, integrity and furnish the system with more value-added activities within the mobile payment application. It is also essential for the company to deliver tutorials and clear and easy-to-follow instructions to customers. At the same time, the marketer should develop marketing strategies to promote the usefulness and simplicity of using the applications to the consumers. When consumers experienced the easiness and usefulness of the applications, these could overcome the resistance feeling to use due to the concern on any potential risk. Originality/value The study contributes to the existing body of knowledge on consumer usage behavior and TAM by integrating all important variables and developed a parsimony framework to explain consumers’ usage adoption on mobile payment. Moreover, the current study was the very first that proposed and tested a serial of multiple mediations of perceived ease of use and perceived usefulness, moderated by perceived risk, in the relationship between social influence and consumers’ intention to use mobile payment and discovered a moderating role of perceived risk toward the relationship between perceived usefulness and mobile payment usage intention.

In modern era technology advancement make life easier and quicker. As adoption of technology becomes the essential part of every organization, same is happening in banking industry. Currently, technology acceptance is one of the core issue discussed in banks executive management meetings. The biggest challenge in the service industry is to provide the financial services to those who don’t have access to it. This study focuses to enhance the solution for delivering financial services as a tele-pay through integration rather than direct branch banking. Telecom and bank collaboration solve the problem of providing basic financial services to those who do not have access the services either due to their remoteness or inaccessibility. Tele-pay is considered as mobile payment services provided through telecom companies. Using Technology acceptance model (TAM) we have investigated four factors which are important for adoption of mobile payment by the customers i.e; trust, accessibility, perceived ease of use and perceived usefulness. Technology acceptance model (TAM) is widely used to analyze these factorsinfluence on adoption of mobile payment. Studies have considered compatibility, self efficacy and social influence affecting mobile payment adoption and trust, accessibility, perceived ease of use and perceived usefulness were found to be more relevant for customer acceptance. These indicators are used to investigate in the context of Pakistan to enhance mobile payment acceptance. The implication of this study for both telecom and banking industry is to further explore the ways for ease of adoption for mobile payment services among mass people. Keywords: Tele-Pay, Mobile Payment, Telecom, Banking, Financial Services

This study develops and empirically tests a research model to comprehensively examine factors influencing the adoption of mobile payment at physical stores. In particular, this study proposes an integrated theoretical framework that combines the theory of technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT). The results indicate that: attitude is the most important factor influencing users' intention to adopt offline mobile payment compared to perceived usefulness and social influence; personal innovativeness, perceived usefulness and promotional offer also have significant effects on attitude whereas the perceived ease of use is not as important as others but does with significant effect on perceived usefulness.

The book publishing industry is going through radical transformations that are driven by recent developments in information systems (IS). E-books are merely one of these developments. Notwithstanding the projections in the growth of e-book use, producers of these products contend with the issue of building user retention and loyalty through continued use. Extending the technology acceptance model (TAM), this study examined the impact of factors of perceived usefulness, perceived ease of use, social influence, and facilitating conditions on e-book continuance intention among users. The subjects of this study were 317 students from five higher institutions of learning in South Africa. Empirical testing of the research model was carried out using structural equation modeling. The results indicate that 42 percent of the variance in e-book users' continuance intention is explained by perceived usefulness, perceived ease of use, and social influence. Interestingly, facilitating conditions have an influence, although indirectly, through perceived usefulness, perceived ease of use, and social influence. The study not only contributes to the existing IS literature by extending the TAM to explain continuance intention in the e-book IS domain in a developing country but also makes recommendations to practitioners who attempt to foster continuous use of this technology.

This research aims to study the continuous intention of mobile payment usage using the Technology Acceptance Model (TAM) theory with the extended model using perceived trust and subjective norms. A survey conducted through 25 questions questionnaire using a 5-point Likert scale with a total of 158 respondents was obtained by multiplying indicators by 6, with SEM-PLS method using SmartPLS 4.0. The analysis shows that perceived satisfaction significantly affects continuance intention to use mobile. The effect of subjective norms on continuance intention to use mobile payment is significant, and perceived ease of use and perceived usefulness have shown a positive relationship to perceived satisfaction. The perceived trust does not significantly affect the continuance intention to use mobile payment. In the previous study, continuance usage of mobile payment is conducted in South Africa, which is a gap in people's finances. The main limitation of this research is the limited data and a very diverse profile of respondents, which may have needed to be more fairly represented in this study. These results suggest that the mobile payment service provider effectively improves customer satisfaction. Gaining more trust in many aspects to make customers use mobile payment continuously. Perceived satisfaction has a positive relationship to keep the continuance intention to use mobile payment systems.

This study attempts to identify the catalytic role of smartphone addiction in driving mobile wallet payment adoption behavior in emerging economies such as India. The research model was tested using a questionnaire-based response collected from 512 young consumers. The findings of structural equation modeling and multi-group analysis helped in understanding the influence and importance of the research constructs of perceived ease of use, perceived usefulness, and subjective norms in the adoption of mobile wallet payments by young people. The results indicated that the moderating effect of smartphone addiction played a substantial role in the adoption of mobile wallet payments. It has also revealed the importance of communication to the right consumer through proper channels and the appropriate age group. The outcome of the study can be utilized by marketers to frame strategies for positioning their services among an appropriate consumer base, thereby enhancing Internet business opportunities.

The development of smartphones and mobile internet technologies has promoted the development of mobile payments worldwide. The core purpose of this study is to ascertain what the main factors are which affect Dutch customers’ adoption and experience of mobile payments. This study first addresses the concepts of mobile payments and customer experience and then explores the current Dutch financial and banking systems, before attempting to understand the recent researches worldwide on mobile payments. Based on quantitative research methods, the study examines the factors that influence the adoption and experience of mobile payments and the impacts of the COVID-19 outbreak on payment methods due to social distancing rules in the Netherlands. It finds that perceived ease of use, perceived usefulness, safety and trust are the main factors that affect the adoption of mobile payments, and mobile-payment providers need to improve technical protection and offer some benefits to boost the mobile-payment business. The COVID-19 outbreak has caused the decline of cash payments and the increase of contactless payments in the Netherlands; mobile payments ensure people’s health and help slow down the spread of the virus.

This research is a systematic literature review of recently published studies in mobile payment adoption. The final 72 English articles published in reputable journals from 2016 to 2020 are selected from several online major scientific databases. The main objectives are to investigate the influencing factors in adopting the mobile payment systems, the moderating factors, the perspective used in the adoption (customer or merchant perspective), and the most active countries in studying the adoption of mobile payment systems. The result reveals that both Perceived Usefulness and Perceived Ease of Use are the factors used the most frequently in mobile payment adoption studies. There are very limited studies that explore the moderating factors in their theoretical model, with Gender and Age as the two most used moderating factors. India is the country with the most studies in the adoption of mobile payment, followed by the US and Spain. Developing countries in Asia (excluding India) and Africa need to be more active in this area of research. Lastly, most research in mobile payment explores the adoption from the customer view. Future research needs to explore mobile payment adoption from the merchant view.

BackgroundContinued use of mHealth apps can achieve better effects in health management. Gamification is an important factor in promoting users’ intention to continue using mHealth apps. Past research has rarely explored the factors underlying the continued use of mobile health (mHealth) apps and gamification’s impact mechanism or path on continued use.ObjectiveThis study aimed to explore the factors influencing mHealth app users’ intention to continue using mHealth apps and the impact mechanism and path of users’ feelings induced by gamification on continued mHealth app use.MethodsFirst, based on the expectation confirmation model of information system continuance, we built a theoretical model for continued use of mHealth apps based on users’ feelings toward gamification. We used self-determination theory to analyze gamification’s impact on user perceptions and set the resulting feelings (competence, autonomy, and relatedness) as constructs in the model. Second, we used the survey method to validate the research model, and we used partial least squares to analyze the data.ResultsA total of 2988 responses were collected from mHealth app users, and 307 responses were included in the structural equation model after passing the acceptance criteria. The intrinsic motivation for using mHealth apps is significantly affected by autonomy (β=.312; P<.001), competence (β=.346; P<.001), and relatedness (β=.165; P=.004) induced by gamification. The intrinsic motivation for using mHealth apps has a significant impact on satisfaction (β=.311, P<.001) and continuance intention (β=.142; P=.045); furthermore, satisfaction impacts continuance intention significantly (β=.415; P<.001). Confirmation has a significant impact on perceived usefulness (β=.859; P<.001) and satisfaction (β=.391; P<.001), and perceived usefulness has a significant impact on satisfaction (β=.269; P<.001) and continuance intention (β=.273; P=.001). The mediating effect analysis showed that in the impact path of the intrinsic motivation for using the mHealth apps on continuance intention, satisfaction plays a partial mediating role (β=.129; P<.001), with a variance accounted for of 0.466.ConclusionsThis study explored the impact path of users’ feelings induced by gamification on the intention of continued mHealth app use. We confirmed that perceived usefulness, confirmation, and satisfaction in the classical continued use theory for nonmedical information systems positively affect continuance intention. We also found that the path and mechanism of users' feelings regarding autonomy, competence, and relatedness generated during interactions with different gamification elements promote the continued use of mHealth apps.

This study explores how perceived risk factors affect the attitude of public market vendors towards mobile payment adoption through ‎performance risk, financial risk, time risk, psychological risk, and social risk. Using a survey of 325 randomly selected public market ‎vendors in Batangas City, data were gathered through a validated questionnaire with strong reliability. Statistical analysis, including Pearson ‎R correlation, ANOVA, and Kruskal-Wallis test, was used to examine the relationship between variables. The findings revealed that ‎respondents had a neutral attitude when it comes to mobile payments adoption. When it comes to the correlation between attitude and ‎perceived risks, the results showed that there is a significant relationship where performance and time risk are observed with the strongest ‎correlation, with attitude and social risk having a weaker relationship but still significant. The study also uncovers that neither the number of ‎years of a business, customer volume, nor the type of products sold significantly affects the openness in the adoption of mobile payments. In ‎contrast, the average monthly sales and awareness of mobile payment tend to show a critical and significant relationship in the mobile payment ‎adoption. The results suggest that perceived risks affect the attitude of the respondents in the adoption of mobile payments. Thus, ‎developing training and support programs, enhancing system performance and connectivity, and expanding for future research are ‎recommended to enhance confidence, accessibility, and trust in mobile payment usage while promoting collaboration among relevant ‎stakeholders‎.

The adoption of mobile payment is still rather new for an emerging economy like Malaysia whereby cashless payment has yet to be fully accepted by the vast majority. There is still a lack of studies found on the cross-country differences between China and Malaysia, thus, this study attempted to compare the adoption of mobile payment between these two countries to identify the differences in mobile payment adoption using theory of reasoned action and technology of acceptance model. Consumers from Nanjing, China and Klang Valley, Malaysia were selected for this study. A total of 384 respondents from each country were surveyed using personal administered questionnaire. Among the four factors, perceived security seems to differ for the two countries and the study provide a new insight to researchers and market practitioners in terms of analysing the adoption of mobile payment in future.

This paper explores the use of mobile payment for the purchase of coffee by college students. Mobile payment is an attractive feature to many consumers. The consumption of coffee and the number of coffee shops have increased significantly in Saudi Arabia. Young female adolescents are frequent coffee shop visitors and also savvy technology users in Saudi Arabia. Therefore, this paper investigates the determinants influencing female university students’ adoption of mobile payment to purchase coffee using a logistic regression method. Research on the topic focused on “security” and “trust” issues as important pre-requisites for mobile payment adoption. However, this paper reveals a number of demographic variables that influence coffee purchases through mobile payment. The findings of this study concluded that marital status, safety, age, and monthly income are significant determinants of using mobile payment to purchase coffee. Price was an insignificant factor in students’ decisions regarding mobile payment adoption. The probabilities of using mobile payment increase as students get older. Also, single female students are more likely to use mobile payment compared to married students. This study recommends that multi-perspective and multi-level research is required as consumer mobile payment adoption is a complex phenomenon in the food and agricultural sector.

In this chapter, the authors performed an analysis of the data extracted from 39 peer-reviewed scientific publications between 2015 and 2018 describing users' adoption of various mobile payment systems encompassing methods, technologies, adoption models, theories, variables of the adoption models and theories, as well as significant adoption factors. The analysis demonstrates that the technology acceptance model (TAM) is the most popular model to investigate users' adoption of mobile payment. Both the original and extended versions of TAM are studied broadly to examine the individual's intention to adopt mobile payment. In addition, the analysis of the results from this chapter demonstrates perceived compatibility has the strongest positive impact on the intention to use mobile payment technology whereas perceived risk has a negative relationship with the intention to use mobile payment technology.