Mobile Payment: The Next Frontier of Payment Systems? - an Empirical Study Based on Push-Pull-Mooring Framework

Abstract

Although the increasing mobile technology applies in our daily lives, there remain questions that clearly illustrate the experience inspired by the mobile technology environment. It is theoretically and practically meaningful to systematically reveal how mobile technology generates users' virtual experience and, subsequently, the behavioral response. To fill the gaps, drawing on the Stimulus-Organism-Response model, this paper regards flow as the core experience based on the features of the mobile users' experience. The framework is that mobile technology will promote users' virtual experience, and in turn, affect their behavioral response. This study uses online survey data from 452 respondents. We employ the structural equation model based on the partial least squares method and further mediation analysis by the Sobel test to validate the research hypotheses. Our results show that the mobile technology environment has a significantly positive effect on users' purchase intention/return mediated by the virtual experience. However, the direct relationship between ubiquity and flow, as well as telepresence and intention to purchase/return, are not significant. Finally, a few theoretical and managerial contributions are also discussed.

Is There Any Customer Switching the Intention from Traveloka PayLater to Traveloka PayLater Card? A Preliminary Investigation on Worker in Jakarta

“…It means that the function of the PayLater Card can substitute the PayLater apps. This result doesn't support other studies conducted by [7] [9] [11]. Forth, the mooring-effect variable, in this study, cannot be a moderating variable for the push and pull-effect on intention switching.…”

“…The studies related to the shift between membership cards and car applications using the ppm approach, for example, were carried out by [7] on a Starbucks case in Taiwan, [9] on the shift in car-payment service-platforms in Taiwan, [10] on replacement of online services by bloggers to socialnetwork sites. Meanwhile, [11] examined the shift in payment methods from internet-payment to mobilepayment, and [12] observed the consumer switching behavior towards mobile shopping. All these researchers used a push-pull-mooring framework in explaining the displacement that occurred.…”

Determinants of the Intention to Use Cross-Border Mobile Payments in Korea among Chinese Tourists: An Integrated Perspective of UTAUT2 with TTF and ITM

“…User demand is the core element that can effectively promote cross-border mobile payment [7,8]. It is believed that improvement of the factors affecting use of cross-border mobile payment among Chinese traveling to South Korea can boost the use of cross-border mobile payment in the future.…”

Mobile Location-Based Services

“…On the other hand, the pull type allows a user to control services, but the user may receive a service that does not agree with the current situation. Due to the difference in the mechanism of the two M-LBS types, a user chooses push or pull type mechanisms depending on service convenience (Teo & Zhou, 2014;Nikou & Economides, 2017;Fan et al, 2021). The two mechanisms use different scopes and methods of receiving information depending on the level of users' personal information disclosure.…”