Examining mobile based payment services adoption issues

Abstract

Purpose – The purpose of this paper is to make a unified approach in identifying the issues affecting usage intention of mobile-based payment services. The work aims to analyze the reduced factors from data obtained from a survey to highlight the influencers of usage intention mobile-based payment in an integrated manner by incorporating the technical characteristics, technology-specific characteristics, user-specific characteristics and task-specific characteristics. Design/methodology/approach – A nationwide primary survey was conducted using validated questionnaire requesting response for 11 factors obtained from published literature. In all, 196 respondents participated in the survey in India. Valid responses were analyzed using Growing Hierarchical Self-Organizing Map (GHSOM) model. The interactive GHSOM application was applied to automatically determine the filtering rules for clustering. Findings – The hierarchical structure of clusters as obtained by applying GHSOM is mainly influenced by factors like innovativeness, discomfort, system quality, perceived usefulness, perceived ease of use, task-fit, connectivity, absorptive capacity and structural assurance. Research limitations/implications – Increasing trend of online and mobile-based payment has been observed and reported by several studies in India. The frequency of online transactions by women have shown a steady increase over a short period of time. But the survey obtained higher percentage of data from males. Thus future researchers could focus on this aspect to study the influence of this rising trend on adoption of services like mobile-based payment. Trust and existence of physical institutions seem to affect the perception and usage intention. Future researchers may explore the influence of these two issues in situations where there has been some reported cases of breach of trust. Originality/value – There has been very few studies conducted which reported mobile-based transfer payment adoption issues where-in the transfer mechanism is independent of formal banking. Also no other study adopted the GHSOM approach to analyze the data. The findings would be beneficial for service providers of mobile-based payment services to understand their subscribers and roll out value-added services.

Consumer Adoption of Online Food Delivery Ordering (OFDO) Services in Pakistan: The Impact of the COVID-19 Pandemic Situation

“…The perception of a lack of control over technology diminishes the ability to deal with uncertainties that new technology can generate [49,57]. The difficulty of adopting new technology such as OFDO service apps could cause discomfort for individuals (i.e., consumers), and this would influence their usage of the app [68]. OFDO service apps are still considered a new experience in developing countries, causing a high level of discomfort, and they will not get more adoption until consumers feel comfort using these apps [69].…”

Determining mobile payment adoption: A systematic literature search and bibliometric analysis

“…Subsequent to his work, practicing scholars explored the field using established theoretical frameworks and some scholars even extended the established frameworks by developing and validating new constructs which they felt were largely missing in prior literature (Madan & Yadav, 2016). Furthermore, some scholars extended the methodological perspective by incorporating advance level of statistical analysis in their research work (Gbongli et al, 2019;Leong et al, 2013;Liébana & Lara, 2017;Upadhyay & Chattopadhyay, 2015;Yang & Sattayatham, 2016). The next highly cited article in the league have been contributed by Kim et al (2010).…”

The effects of risk appraisal and coping appraisal on the adoption intention of m-payment

“…Several m-payment studies have discussed antecedents from the perspectives of external and social influences (Teo et al, 2015;Kapoor et al, 2015;Phonthanukitithaworn et al, 2015;Qasim and Abu-shanab, 2016;Liébana-Cabanillas et al, 2015;Phonthanukitithaworn et al, 2016;Qasim and Abu-shanab, 2016). Some researchers have focused on service performance perspectives, such as usefulness (Sanayei et al, 2011;Padashetty and Kishore, 2013;Liébana-Cabanillas et al, 2014;Upadhyay and Chattopadhyay, 2015;Upadhyay and Jahanyan, 2016;Molina-Castillo et al, 2016), ease of use (Sanayei et al, 2011;Liu et al, 2011;Padashetty and Kishore, 2013;Liébana-Cabanillas et al, 2014;Arvidsson, 2014;Upadhyay and Chattopadhyay, 2015;Upadhyay and Jahanyan, 2016;Molina-Castillo et al, 2016), convenience (Hayashi, 2012;Shin et al, 2014;Kaitawarn, 2015;Teo et al, 2015) and system quality (Upadhyay and Chattopadhyay, 2015;Upadhyay and Jahanyan, 2016). Studies pertaining to the role of relationship quality have concluded that satisfaction (Sanayei et al, 2011;Dlodlo, 2015) and trust (Padashetty and Kishore, 2013;Liébana-Cabanillas et al, 2014;Arvidsson, 2014;Zhou, 2014;Dlodlo, 2015;Phonthanukitithaworn et al, 2015;Phonthanukitithaworn et al, 2016;Qas...…”

“…M-payment is a process of transferring money through mobile technology and requires due authorization and conformance to a legal policy (Upadhyay and Chattopadhyay, 2015;Apanasevic et al, 2016). Some researchers have suggested that m-payments can replace debit and credit cards (Eun et al, 2013;Oliveiraa et al, 2016), whereas other research indicated that m-payment does not replace physical cards but is likely to serve as a substitute for cash payment in the adoption stage (Trütsch, 2016).…”