Mobile wallets adoption: pre- and post-adoption dynamics of mobile wallets usage

Abstract

PurposeThe main objectives of this study are (1) to identify the determinants of pre- and post-adoption dynamics of mobile wallets (m-wallets) usage; (2) to propose and test the linkage framework of pre-adoption and post-adoption dynamics to understand consumers' psyche of m-wallets usage and (3) to examine the moderation of select demographic variables in the path of consumers' continued usage of m-wallets.Design/methodology/approachThe study considered a cross-sectional approach using a questionnaire survey method. The research model encapsulating pre- and post-adoption dynamics of the m-wallet was examined using a sample of 574 users. The analysis also comprised mediation, moderation and multi-group analysis (MGA).FindingsThe results identified key antecedents of confirmation, such as performance expectancy, effort expectancy, facilitating conditions and individual mobility. Findings also confirmed the partial mediation effects of satisfaction between confirmation and continuance intentions. Results also confirmed the moderating effects of age and education on the relationship between confirmation and satisfaction.Originality/valueThe key contribution of the study is in the form of research progression related to m-wallet usage to test the extended expectation-confirmation model (EECM) in the Indian context by linking the pre-adoption paradigm of extended (unified theory of acceptance and use of technology) UTAUT with individual mobility and post-adoption dynamics of the ECM. The considered framework study also draws support for the role of select demographic variables.

The Factors of Continuance Intention to Use Mobile Payments in Sudan

“…The importance and validity of the satisfaction construct as a major factor stayed the same as in previous research (Jaiswal et al, 2022;Tam et al, 2020), in which the variable affected the intention to continue both indirectly and directly. The satisfaction factor had the greatest impact on the intention to continue to use mobile payment in the future, followed by the expectancy confirmation factor on performance expectancy, these finding consent with (Nguyen & Ha, 2022;Sasongko et al, 2022).…”

Mobile wallet adoption intention amid COVID-19 pandemic outbreak: A novel conceptual framework

“…Sincere efforts should also be made to market these features and benefits via social media and other platforms to cognitively position m-wallet in the mind of the user as a more productive technology that saves efforts and time. In accordance with the findings of previous studies ( Chawla and Joshi, 2021 , Jaiswal et al, 2022 ), results depicted a positive link between favourable infrastructure conditions and intentions. This underlines the significance of support services and resources that are required for the smooth delivery of m-wallet services.…”

Toward a cashless economy: Exploring Drivers of Mobile Wallets Adoption from Consumers’ and Service Providers’ Perspectives

“…Drawing on TAM, perceived usefulness has a direct correlation to intention to use as a result of extrinsic motive such as achieving a certain goal or gaining a reward (Davis, 1989;Venkatesh et al, 2003Venkatesh et al, , 2012. Prior research provide empirical evidence in China, Singapore, United states, South Africa, Indonesia, India, Malaysia, Europe ( (Altuwaijri & Ferrario, 2022) on the impact of perceived usefulness and perceived ease of use on adoption of new technologies innovation such as online services, mobile phones, e-finance, and mobile payments (Lew et al, 2020;Chawla & Joshi, 2019;Schmidthuber et al, 2020;Altuwaijri & Ferrario, 2022;Jaiswal et al, 2022). There is a wide agreement that TAM has propelled to the forefront in investigations of individual's acceptance of newly emerging technologies.…”

“…Features such as performing a financial transaction through a mobile might be a difficult task for a new user. Therefore, perceived ease of use is a factor that determines the intention to use it (Lew et al, 2020;Chawla & Joshi, 2019;Schmidthuber et al, 2020;Altuwaijri & Ferrario, 2022;Jaiswal et al, 2022). Therefore, the perceived ease of use has been an essential factor in accepting new technology such as mobile.…”

“…Nowadays, smartphones offer more than simply being connected. Technology and smartphones have become a core element of the structure of everyday life (Humbani & Wiese, 2019;Shankar & Datta, 2018;Zhao, 2021;Herget & Krey, 2021;Mew & Millan, 2021;Jaiswal et al, 2022). The mobile wallet offers several benefits for both consumers and businesses.…”