Cash, credit, or phone? An empirical study on the adoption of mobile payments in the United States

Zhang, Jing; Mao, En

doi:10.1002/mar.21282

Cited by 41 publications

(50 citation statements)

References 44 publications

(79 reference statements)

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“…While the intrusiveness of branded augmented reality face filter apps did not have negative effects on responses towards the app (Smink et al, 2019), the privacy concerns stemming from augmented reality face filters on social media decrease word‐of‐mouth and use intentions via perceived usefulness and flow, demonstrating different privacy concerns with this particular type of augmented reality. While other research investigating technology shows that privacy concerns affect perceived usefulness (Park et al, 2021) and still other research supports perceived usefulness as offering a relative advantage to a technology (J. Zhang & Mao, 2020), we document that this not only extends to augmented reality, but connect these effects through flow.…”

Section: Theoretical Contributionssupporting

confidence: 48%

“…Specifically, individual privacy perceptions increase the value attributed to a technology (Pizzi & Scarpi, 2020) and affect perceived usefulness (Park et al, 2021). Along these lines, when individuals anticipate benefits such as perceived usefulness, they perceive a relative advantage (J. Zhang & Mao, 2020), feeling more motivated to disclose their information and continue to use the technology (Benson et al, 2015; Hajli & Lin, 2016; X. Zhang et al, 2014). We contend that with heightened privacy concerns, individuals will see a technology as less useful for accomplishing a task, as it could pose a risk, and so would decrease use.…”

Section: Theoretical Frameworkmentioning

confidence: 99%

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Privacy concerns when using augmented reality face filters? Explaining why and when use avoidance occurs

Cowan

Javornik

Jiang

2021

Psychology and Marketing

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Augmented reality face filters (e.g., Snapchat) are ubiquitous in today's market. Yet, we know little about the impact of individuals' concerns for their own and others' privacy and sharing biometric facial data while interacting with such augmented reality face filters. Our study aims to uncover whether privacy concerns affect responses toward augmented reality face filter apps, as well as the underlying mechanisms of this process, specifically perceived usefulness and flow. First, a survey study shows that individual perceptions of privacy concerns indirectly decrease use intentions and word‐of‐mouth via perceived usefulness and flow. Second, integrating construal level theory, we demonstrate in an experimental study that users report lower use intentions and word‐of‐mouth (again mediated through perceived usefulness and flow) when providing a concrete (vs. abstract) privacy policy. Additionally, we offer evidence for boundary effects and show that these patterns emerge only when users interacted with highly hedonic filters. The research demonstrates that privacy concerns related to use of augmented reality face filters indirectly affects future behavioral intentions and explains the phenomenon through lenses of the privacy paradox and construal level theory. By accounting for how people process information, the research evidence novel mechanisms for interrupting the privacy paradox.

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Section: Theoretical Contributionssupporting

confidence: 48%

Section: Theoretical Frameworkmentioning

confidence: 99%

Privacy concerns when using augmented reality face filters? Explaining why and when use avoidance occurs

Cowan

Javornik

Jiang

2021

Psychology and Marketing

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“…Technology acceptance model (TAM) theory has been used many times to help adopt new technology (Crittenden et al, 2020; Stern et al, 2008; Zhang & Mao, 2020). TAM theory has provided academics and managers with many useful insights about consumer behavior related to the personality's emotional and cognitive elements (Lin et al, 2007; Vahdat et al, 2020).…”

Section: Literature Review and Theoretical Frameworkmentioning

confidence: 99%

Let's play: Me and my AI‐powered avatar as one team

Butt

Ahmad

Goraya

et al. 2021

Psychology and Marketing

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Artificial intelligence (AI) tools have altered the gaming industry, thanks to their newly incepted functionalities, which have enhanced the consumer experience. Building on innovation diffusion theory, technology acceptance model, and flow theory, this study highlights an AI‐powered avatar concept. This study explores the roles of perceived easiness, usefulness, advantage, compatibility, enjoyment, customization, and interactivity in forming the gamers' intention to play with AI‐powered avatars. A survey data of 500 respondents from China having experience playing online video games is used to test the proposed hypotheses. The results offer significant support to the proposed relationships related to adopting an AI‐powered avatar and the consumers' psychological association with its adoption. Consequently, the results imply that AI‐powered avatars should allow gamers to customize, interact, and take assistance to move up levels with an enjoyable experience. Moreover, this study also suggests that digital technologies such as AI could be integrated into the gaming environment for a more pleasing and immersive experience.

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“…The extant m-payments literature confirmed that various research studies have been conducted in different countries; for example, USA (e.g. Zhang & Mao, 2020), UK , Germany (Gerpott & Meinert, 2017), Japan (Amoroso & Magnier-Watanabe, 2012), France (De Kerviler et al, 2016), China (Su et al, 2018;Zhou, 2014), Indonesia (Widodo et al, 2019), Malaysia (Lee et al, 2020;Leong et al, 2020;Tang et al, 2014), Oman (Sharma et al, 2018), India (e.g. ), Brazil (Ramos de Luna et al, 2016, South-Africa (Matemba & Li, 2018), and South Korea (Choi et al, 2020).…”

Section: Mobile Payment Adoption Researchmentioning

confidence: 74%

“…However, education and income did not play a significant role in predicting behavioral intentions. Building upon the theory of reasoned action (TRA) and TAM, Zhang and Mao (2020) investigated the effects of consumer factors on behavioral intention to adopt NFC m-payment. The results showed that relative advantage, attitude, and subjective norms significantly affected individual behavioral intentions.…”

Section: Mobile Payment Adoption Researchmentioning

confidence: 99%

Understanding the Determinants of Wearable Payment Adoption: An Empirical Study

Rabaa'i

Zhu

2021

IJIKM

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Aim/Purpose: The aim of this study is to determine the variables which affect the intention to use Near Field Communication (NFC)-enabled smart wearables (e.g., smartwatches, rings, wristbands) payments. Background: Despite the enormous potential of wearable payments, studies investigating the adoption of this technology are scarce. Methodology: This study extends the Technology Acceptance Model (TAM) with four additional variables (Perceived Security, Trust, Perceived Cost, and Attractiveness of Alternatives) to investigate behavioral intentions to adopt wearable payments. The moderating role of gender was also examined. Data collected from 311 Kuwaiti respondents were analyzed using Structural Equation Modeling (SEM) and multi-group analysis (MGA). Contribution: The research model provided in this study may be useful for academics and scholars conducting further research into m-payments adoption, specifically in the case of wearable payments where studies are scarce and still in the nascent stage; hence, addressing the gap in existing literature. Further, this study is the first to have specifically investigated wearable payments in the State of Kuwait; therefore, enriching Kuwaiti context literature. Findings: This study empirically demonstrated that behavioral intention to adopt wearable payments is mainly predicted by attractiveness of alternatives, perceived usefulness, perceived ease of use, perceived security and trust, while the role of perceived cost was found to be insignificant. Recommendations for Practitioners: This study draws attention to the importance of cognitive factors, such as perceived usefulness and ease of use, in inducing users’ behavioral intention to adopt wearable payments. As such, in the case of perceived usefulness, smart wearable devices manufacturers and banks enhance the functionalities and features of these devices, expand on the financial services provided through them, and maintain the availability, performance, effectiveness, and efficiency of these tools. In relation to ease of use, smart wearable devices should be designed with an easy to use, high quality and customizable user interface. The findings of this study demonstrated the influence of trust and perceived security in motivating users to adopt wearable payments, Hence, banks are advised to focus on a relationship based on trust, especially during the early stages of acceptance and adoption of wearable payments. Recommendation for Researchers: The current study validated the role of attractiveness of alternatives, which was never examined in the context of wearable payments. This, in turn, provides a new dimension about a determinant factor considered by customers in predicting their behavioral intention to adopt wearable payments. Impact on Society: This study could be used in other countries to compare and verify the results. Additionally, the research model of this study could also be used to investigate other m-payments methods, such as m-wallets and P2P payments. Future Research: Future studies should investigate the proposed model in a cross-country and cross-cultural perspective with additional economic, environmental, and technological factors. Also, future research may conduct a longitudinal study to explain how temporal changes and usage experience affect users’ behavioral intentions to adopt wearable payments. Finally, while this study included both influencing factors and inhibiting factors, other factors such as social influence, perceived compatibility, personal innovativeness, mobility, and customization could be considered in future research.

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Cash, credit, or phone? An empirical study on the adoption of mobile payments in the United States

Cited by 41 publications

References 44 publications

Privacy concerns when using augmented reality face filters? Explaining why and when use avoidance occurs

Privacy concerns when using augmented reality face filters? Explaining why and when use avoidance occurs

Let's play: Me and my AI‐powered avatar as one team

Understanding the Determinants of Wearable Payment Adoption: An Empirical Study

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