An empirical study of consumers' intention to use biometric facial recognition as a payment method

Moriuchi, Emi

doi:10.1002/mar.21495

Cited by 52 publications

(46 citation statements)

References 115 publications

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Section: Introductionmentioning

confidence: 76%

“…Zhang and Kang (2019) found that such an intention is influenced by several factors including security, visibility, expected effort and perceived usefulness (PU). In a study explaining consumer intention to use biometric facial recognition for payment, Moriuchi (2021) confirmed a trust-attitudeintention hierarchy. Moreover, Zhong et al (2021), using an extended Technology Acceptance Model (TAM), found that perceived enjoyment, perceived ease of use (PEU) and PU positively affect attitude towards FRP, which in turn lead to usage intention.…”

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confidence: 78%

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Consumer attitudes toward facial recognition payment: an examination of antecedents and outcomes

Dang

Nguyen

et al. 2021

IJBM

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PurposeFacial recognition payment (FRP) has been recently introduced as a new cashless payment method in retail store context. Anchored on information systems and consumer theories, this research aims to investigate the key antecedents and outcomes of consumer attitudes toward this innovative payment method.Design/methodology/approachThis research used a survey method to obtain data from 795 consumers at retail stores in China. The data were then analyzed by different statistical methods, including descriptive statistics, reliability analysis and structural equation modeling.FindingsResults show that perceived usefulness, perceived ease of use and perceived innovativeness positively affect consumer attitudes toward FRP, while perceived risk negatively impacts such attitudes. In addition, consumer attitudes enhance store satisfaction, and hedonic shopping value plays a mediating role in this relationship.Practical implicationsThis study encourages retailers to adopt FRP that can enhance consumer hedonic shopping value and satisfaction.Originality/valueThis study contributes to the literature by explaining both the antecedents and the outcomes of consumer attitudes toward FRP in retail context. The study also provides fresh insights into how such attitudes can improve consumers' shopping values and satisfaction in an emerging market.

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Section: Introductionmentioning

confidence: 76%

mentioning

confidence: 78%

Consumer attitudes toward facial recognition payment: an examination of antecedents and outcomes

Dang

Nguyen

et al. 2021

IJBM

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show abstract

“…These transactions are quick and touchless, and the “currency” cannot be lost nor is it stored on a device that can be misplaced or powered down. Research suggests that consumers perceive facial recognition as a more secure form of payment for in-store (vs. online) transactions (Moriuchi, 2021 ). Still, consumers remain concerned about their privacy and security.…”

Section: Dps 20 Facilitatorsmentioning

confidence: 99%

“…Several firms have begun to accept DPS 2.0 as the new normal. However, a keyword search for DPS 2.0 (digital payment systems) and cashless economies among the top 50 marketing journals listed within SJR (i.e., Journal of Marketing , Journal of Consumer Research , Journal of Marketing Research , and Marketing Letters ) yielded three marketing papers on the topic in the last 10 years (i.e., Cwynar et al, 2021 ; Moriuchi, 2021 ; Park et al, 2021 ). As such, an understanding of how DPS 2.0 will impact consumers’ movement into a cashless economy is an important dialog to pursue.…”

Section: Introductionmentioning

confidence: 99%

DPS 2.0: on the road to a cashless society

et al. 2022

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While cash will eventually become a thing of the past, marketing researchers have given little attention to the rise of cashless markets and the obstacles and opportunities they present. In fact, research that addresses the strategic approach to planning, coordinating, and executing the cashless adoption and experience for consumers is scant. To stimulate discussion and scholarly investigations into marketing’s contribution toward the evolution of cashless economies, this Idea Corner presents a research agenda that delineates the role of DPS 2.0, a new era of digital payment systems, in fueling the demonetization process. We offer that, compared to traditional payment systems (DPS 1.0), DPS 2.0 provides consumers and merchants cashless, virtual, automated, flexible, faster, and interoperable (The ability of DPS 2.0 systems to be compatible and operable across providers, software, and payment portals) means of payment. However, the promise of DPS 2.0 is clouded with concerns of opportunism, security, and fraud. This paper outlines these issues and provides corresponding future research opportunities within five areas of DPS 2.0 (digital wallets, cryptocurrency, virtual currency, facial recognition, and mobile payments).

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“…Their results showed that convenience, privacy and financial risk have a significant influence on perceived value and trust which play an important role on consumers' decision-making. In addition, Moriuchi (2021) considered usability of the technology and consumers' psychology by using unified theory of acceptance and use of technology (UTAUT) and theory of mind (ToM) theory to understand potential barriers and opportunities consumers face when using FRP.…”

Section: Theoretical Background and Hypothesesmentioning

confidence: 99%

Positive and negative valences, personal innovativeness and intention to use facial recognition for payments

Palash

Talukder

Islam

et al. 2022

IMDS

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PurposeFacial recognition payment (FRP) has been attracting attention as an alternative payment mode. This research aims to investigate the future use of FRP for both mobile payment and point of sale payment.Design/methodology/approachThe body of information on this topic is promoted by proposing the valence framework, where the authors used relative advantage, initial trust, perceived playfulness and need for uniqueness as positive valence, and perceived risk, technophobia and perceived complexity as negative valence. This study also investigated the moderating effect of personal innovativeness on consumers' behavioral intention to use FRP-based payments. The authors collected data from 392 FRP users from China to test the model. The authors used structural equation modeling (SEM) to evaluate the significant determinants influencing FRP use.FindingsThe authors found that relative advantage and privacy risk are the two most influential predictors of FRP use. The findings indicate that personal innovativeness acts as a moderator between negative valence and behavioral intention. This study provides valuable policy guidelines for the mobile or point of sale (POS) payment companies for adding FRP service into their default payment method.Originality/valueFRP is a relatively new technology that has not received much research attention in information system (IS) literature. Most studies on payment investigated enablers, and less effort has been given to study both enablers and inhibitors together. Furthermore, the authors employed SEM-based analysis to identify the most important factors influencing consumers' future use decisions.

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An empirical study of consumers' intention to use biometric facial recognition as a payment method

Cited by 52 publications

References 115 publications

Consumer attitudes toward facial recognition payment: an examination of antecedents and outcomes

Consumer attitudes toward facial recognition payment: an examination of antecedents and outcomes

DPS 2.0: on the road to a cashless society

Positive and negative valences, personal innovativeness and intention to use facial recognition for payments

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