“…Mobile payments allow consumers to eliminate or reduce the need of cash (Pham & Ho, 2015), offering convenience and speed (Teo, Tan, Ooi, Hew, & Yew, 2015), performance and secure transfer of information from the simple transaction to situations with high volume of payments such as restaurants or large retailers (Leong, Hew, Tan, & Ooi, 2013). Both business and consumers benefit from a considerable reduction in operating time, thus achieving clear benefits in productivity (Oliveira, Thomas, Baptista, & Campos, 2016), adding value to small and medium-sized businesses.…”