The Mediating Role of Perceived Security: An Empirical Study of Mobile Wallet Adoption in USA

Shaw, Norman

doi:10.1007/978-3-319-20895-4_33

Cited by 14 publications

(13 citation statements)

References 27 publications

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“…Bailey et al (2017) conducted a similar study using an extended version of the TAM in the US and they argued that self-efficacy would lead to the adoption of mobile payments through PEOU because users would be convinced about the capabilities of mobile payment services, such as having a user-friendly interface. This was in line with other studies, such as Shaw (2015) and Alalwan et al (2016). Thus, this study offers the following hypotheses: H 1c : Self-efficacy will have a significant positive relationship on the actual adoption of Alipay in Malaysia.…”

Section: Mobile Payment Knowledgesupporting

confidence: 88%

“…The term innovative individuals usually refers to people with a high level of curiosity to discover and seek information with regards to a new idea. Other similar studies related to personal innovativeness include Li et al (2014), Shaw (2015), and Yang et al (2012). It is believed that innovative individuals find m-wallets easy to use, as they have no issue with adapting to such new technology.…”

Section: Research Modelmentioning

confidence: 90%

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Consumer Adoption of Alipay in Malaysia: The Mediation Effect of Perceived Ease of Use and Perceived Usefulness

Lui¹,

Zainuldin²,

Yii³

et al. 2021

JSSH

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Despite a growing trend in m-wallet services in Malaysia, the actual level of usage is considered low among all of the non-cash payment methods. The Malaysian government has taken a serious initiative in spurring the use of m-wallets by providing a one-off RM30 incentive to all eligible Malaysians. As such, it is important to understand the motivations behind m-wallet usage by examining Alipay, which is favoured in the international, as well as Malaysian markets. This research investigates the effects of mobile payment knowledge, personal innovativeness, self-efficacy, convenience, and compatibility on the actual adoption of Alipay in Malaysia with perceived ease of use and perceived usefulness, as the mediators. Using importance-performance map analysis (IPMA) and Variance Accounted For (VAF), based on Partial Least Squares - Structural Equation Modelling (PLS-SEM) on 260 respondents, it was discovered that compatibility and perceived usefulness demonstrated high importance in improving the performance of Alipay adoption. The results also showed a direct effect between compatibility and mobile payment knowledge. Additionally, perceived usefulness was shown to be an essential mediator in influencing the impact of compatibility and convenience on the actual adoption of Alipay. This study has produced essential policy recommendations for both mobile wallet providers and policymakers on how to further promote the adoption of mobile wallets in Malaysia.

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Section: Mobile Payment Knowledgesupporting

confidence: 88%

Section: Research Modelmentioning

confidence: 90%

Consumer Adoption of Alipay in Malaysia: The Mediation Effect of Perceived Ease of Use and Perceived Usefulness

Lui¹,

Zainuldin²,

Yii³

et al. 2021

JSSH

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“…Social influence refers to the extent that consumer behaviour is influenced by others. For instance, family and friends have been shown to influence the adoption of mobile payments (Shaw, 2015) and mobile commerce (Chen, Zhang, & Zhao, 2015). Some previous studies have suggested that social influence is a stronger indicator than a consumer's satisfaction with technology performance (Oliver, 1999), meaning that a consumer's intention to use the technology is influenced more by social influence than the performance of the technology.…”

Section: Social Influencementioning

confidence: 99%

U.S. consumers’ intentions to use wearable technology devices in the context of healthcare

Sergueeva¹

2021

Preprint

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As the adoption of wearable technology devices increases, so does the abandonment of these devices. Today, an increasing number of health-conscious consumers use wearable technology devices (WTDs) to self-track their health. Large tech companies are trying to close the gap between consumer wearables and their use in healthcare. This study provides an insight into consumer intentions to use wearable technology in healthcare. A quantitative study was conducted to examine factors that affect behavioural intent to use WTDs. The researcher surveyed 277 participants. The results from statistical analysis of the data gathered through survey methodology showed that the research model’s constructs of performance expectancy, social influence, facilitating conditions, hedonic motivation, habit, and personalization were positively associated with the behavioral intention to use WTDs, while price value, privacy concerns, and health consciousness were not. The research findings contribute to the body of literature about consumer health information technology acceptance. Practitioners will also be able to use the results to increase the use of WTDs among consumers in the context of healthcare. Limitations of the study and recommendations for future research are discussed.

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“…However, they do not dive deep into specific security and usability issues. Shaw [19] studies the factors that influence intention to use mobile wallet adoption in the United States. Again, specific security and usability issues are not discussed.…”

Section: Related Workmentioning

confidence: 99%

“…Our results showed that Apple Pay and Android Pay users and nonusers have different perceptions, and their concerns and adoption reasons are ordered differently (see Tables II, III, and VIII). Studies such as [19], [18] that generalize and group all mobile payment solutions together would miss such differences in perceptions, and issues that are specific to each technology.…”

Section: Related Workmentioning

confidence: 99%

I Don't Use Apple Pay Because It's Less Secure ...: Perception of Security and Usability in Mobile Tap-and-Pay

Huh¹,

Verma²,

Rayala³

et al. 2017

Proceedings 2017 Workshop on Usable Security

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This paper reports on why people use, not use, or have stopped using mobile tap-and-pay in stores. The results of our online survey with 349 Apple Pay and 511 Android Pay participants suggest that the top reason for using mobile tap-andpay is usability. Surprisingly, for nonusers of Apple Pay, security was their biggest concern. A common security misconception we found among the nonusers (who stated security as their biggest concern) was that they felt storing card information on their phones is less secure than physically carrying cards inside their wallets. Our security knowledge questions revealed that such participants lack knowledge about the security mechanisms being used to protect card information. We also found a positive correlation between the participants' familiarity with security of mobile tap-and-pay and their adoption rate, suggesting that the participants who are more knowledgeable of the security protections in place are more likely to be using the technology. Permission to freely reproduce all or part of this paper for noncommercial purposes is granted provided that copies bear this notice and the full citation on the first page. Reproduction for commercial purposes is strictly prohibited withoutthepriorwrittenconsentoftheInternetSociety,thefirst-namedauthor (for reproduction of an entire paper only), and the author's employer if the paper was prepared within the scope of employment.

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The Mediating Role of Perceived Security: An Empirical Study of Mobile Wallet Adoption in USA

Cited by 14 publications

References 27 publications

Consumer Adoption of Alipay in Malaysia: The Mediation Effect of Perceived Ease of Use and Perceived Usefulness

Consumer Adoption of Alipay in Malaysia: The Mediation Effect of Perceived Ease of Use and Perceived Usefulness

U.S. consumers’ intentions to use wearable technology devices in the context of healthcare

I Don't Use Apple Pay Because It's Less Secure ...: Perception of Security and Usability in Mobile Tap-and-Pay

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