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Mobile payment is an emerging and important application for e-commerce and traditional offline commerce. This study investigates the determinants of the intention to use mobile payment services (MPS) and the extent to which these relationships are moderated by gender. For this purpose, a conceptual model is proposed by extending the UTAUT model with perceived risk. Data are from a web-based survey conducted using South Korean consumers (n = 528). Structural equation results reveal that performance expectancy and social influence have a positive effect on the intention to use MPS, whereas privacy risk has a negative effect. Gender was found to moderate two paths in the model, such that a high level of facilitating conditions increased the intention to use MPS for males but not for females, whereas privacy risk decreased the intention to use MPS for females but not for males. Theoretical and managerial implications for researchers and marketing practitioners are also discussed.

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PurposeThe purpose of this study is to investigate the determinants of consumers' intention to adopt or continue to use Internet-only banks based on the benefit–risk framework and network externality theory. It also examines the difference in the determinants between pre- and postadoption stages of innovation.Design/methodology/approachThe proposed research model was tested by using online survey data collected from a South Korean sample, which was divided into two subgroups of 321 nonadopters and 351 existing users.FindingsIn both pre- and postadoption stages, the number of services provided and trust had a significant positive impact on consumers' behavioral intentions, while security risks had a negative impact. Critical mass in the preadoption stage and convenience and economic efficiency in the postadoption stage had positive effects on consumer's adoption intention and continuance intention, respectively.Practical implicationsInternet-only banks must reduce the security risks for consumers and increase their trust. In addition, to facilitate the adoption of nonadopters, focus should be on securing a critical mass; on the other hand, to promote the continued use of existing users, the focus should be on enhancing benefits such as convenience and economic efficiency.Originality/valueThe results of this study confirm the influence of network externalities on consumers' adoption and use of financial technology services and show differences in consumer decision-making according to the innovation diffusion process.

Abstract:Consumers have a dual role as economic actors who purchase products and as citizens comprising society. Thus, consumers may experience conflict between pursuing personal values (i.e., low price and high quality) and social values (i.e., equity and common good). In addition, these choices can be affected by governmental regulation of retail markets. This study aimed to identify consumer perspectives toward socially responsible consumption (SRC) in the choice of grocery store format and to investigate actual store choice behavior across consumer groups with those different perspectives while considering the role of retail regulation. For this purpose, we conducted a Q methodological study in which 30 South Korean consumers rank-ordered 40 statements regarding SRC. After performing Q factor analysis using PQ-Method software, we classified four distinctive consumer groups: "ethical conformist", "market liberalist", "ambivalent bystander", and "internally conflicted". After investigating similarities and differences between these consumer groups, we found major criteria for understanding consumer perspectives to SRC such as the priority of values pursued, the experience of a value-action gap, and internal conflicts in the decision-making process.