The moderating impact of gender on the acceptance of peer-to-peer mobile payment systems

Kalinić, Zoran; Liébana‐Cabanillas, Francisco; Muñoz‐Leiva, Francisco; Marinković, Veljko

doi:10.1108/ijbm-01-2019-0012

Cited by 82 publications

(88 citation statements)

References 64 publications

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“…In the context of our research, we understand that the usefulness of the payment system will influence intention to use. A body of research, which includes studies focused on mobile banking [16,17] and mobile payments [18][19][20][21][22][23], supports this approach. For all these reasons, the following hypothesis is proposed: Hypothesis 3.…”

Section: User-and Mobile Phone-related Factors: Mobile User Skillfulnmentioning

confidence: 99%

Mobile Payment Adoption in the Age of Digital Transformation: The Case of Apple Pay

et al. 2020

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Current developments in information technology and communications, as well as the significant transformations the business world is being forced to make, are generating an opportunity for widespread acceptance of mobile payments. The present research analyzes the intention to use the Apple Pay mobile payment system, as well as contextualizing and evaluating the different antecedents of its use. To carry out the research, 539 users were invited to respond to an online questionnaire, and an analysis of structural equation modeling was used. The results indicate that perceived value is the variable that most influences the intention to use the proposed payment system, followed by perception of utility and risk. This work has important implications for companies in the sector.

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Section: User-and Mobile Phone-related Factors: Mobile User Skillfulnmentioning

confidence: 99%

Mobile Payment Adoption in the Age of Digital Transformation: The Case of Apple Pay

et al. 2020

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“…In the m-payment context, researchers (e.g., Alaeddin et al, 2018;Kalinic et al, 2019a;Liébana-Cabanillas et al, 2014bMatemba & Li, 2018;Ramos de Luna et al, 2016;Su et al, 2018;Zhao et al, 2019) have used TAM. UTAUT/UTAUT2 were used by other researchers (e.g., Gupta & Arora, 2019;Madan & Yadav, 2016;Oliveira et al, 2016;Shaw, 2015;Wang & Yi, 2012;Widodo et al, 2019).…”

Section: Mobile Payment Adoption Researchmentioning

confidence: 99%

“…Davis, 1989;Pham & Ho, 2015); and (3) it allows for augmentation to incorporate additional variables to capture aspects of adoption and increase its predictive power (e.g. Kalinic et al, 2019a;Liébana-Cabanillas et al, 2019;Phonthanukitithaworn et al, 2016a). Consequently, this study employed the modified version of TAM, as suggested by Venkatesh and Davis (2000), and further extended the model with four additional variables, namely, trust, perceived cost, perceived security, and attractiveness of alternatives.…”

Section: The Conceptual Model and Hypotheses Developmentmentioning

confidence: 99%

“…Perceived usefulness was found to be an important predictor of behavioral intentions in different research settings, including artificial intelligence in FinTech (Belanche et al, 2019), mobile food ordering applications (Alalwan, 2020), mobile banking (Alalwan et al, 2017), e-learning systems (Rabaa'i, 2016;Zogheib et al, 2015a), mobile shopping (Madan & Yadav, 2018), e-government (Rabaa'i et al, 2015Rabaa'i, 2015;Rabaa'i, 2017b), m-payments (Gupta & Arora, 2019;Liébana-Cabanillas, Muñoz-Leiva, & Sánchez-Fernández, 2018;Ramos de Luna et al, 2019), m-wallets (Sharma et al, 2018;Rabaa'i, in press), peer-to-peer m-payment (Kalinic et al, 2019a), NFC m-payments (Zhao et al, 2019), and wearable payments (Lee et al, 2020). Therefore, the study proposes the following hypothesis:…”

Section: Perceived Usefulness (Pu)mentioning

confidence: 99%

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Understanding the Determinants of Wearable Payment Adoption: An Empirical Study

Rabaa'i

Zhu

2021

IJIKM

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Aim/Purpose: The aim of this study is to determine the variables which affect the intention to use Near Field Communication (NFC)-enabled smart wearables (e.g., smartwatches, rings, wristbands) payments. Background: Despite the enormous potential of wearable payments, studies investigating the adoption of this technology are scarce. Methodology: This study extends the Technology Acceptance Model (TAM) with four additional variables (Perceived Security, Trust, Perceived Cost, and Attractiveness of Alternatives) to investigate behavioral intentions to adopt wearable payments. The moderating role of gender was also examined. Data collected from 311 Kuwaiti respondents were analyzed using Structural Equation Modeling (SEM) and multi-group analysis (MGA). Contribution: The research model provided in this study may be useful for academics and scholars conducting further research into m-payments adoption, specifically in the case of wearable payments where studies are scarce and still in the nascent stage; hence, addressing the gap in existing literature. Further, this study is the first to have specifically investigated wearable payments in the State of Kuwait; therefore, enriching Kuwaiti context literature. Findings: This study empirically demonstrated that behavioral intention to adopt wearable payments is mainly predicted by attractiveness of alternatives, perceived usefulness, perceived ease of use, perceived security and trust, while the role of perceived cost was found to be insignificant. Recommendations for Practitioners: This study draws attention to the importance of cognitive factors, such as perceived usefulness and ease of use, in inducing users’ behavioral intention to adopt wearable payments. As such, in the case of perceived usefulness, smart wearable devices manufacturers and banks enhance the functionalities and features of these devices, expand on the financial services provided through them, and maintain the availability, performance, effectiveness, and efficiency of these tools. In relation to ease of use, smart wearable devices should be designed with an easy to use, high quality and customizable user interface. The findings of this study demonstrated the influence of trust and perceived security in motivating users to adopt wearable payments, Hence, banks are advised to focus on a relationship based on trust, especially during the early stages of acceptance and adoption of wearable payments. Recommendation for Researchers: The current study validated the role of attractiveness of alternatives, which was never examined in the context of wearable payments. This, in turn, provides a new dimension about a determinant factor considered by customers in predicting their behavioral intention to adopt wearable payments. Impact on Society: This study could be used in other countries to compare and verify the results. Additionally, the research model of this study could also be used to investigate other m-payments methods, such as m-wallets and P2P payments. Future Research: Future studies should investigate the proposed model in a cross-country and cross-cultural perspective with additional economic, environmental, and technological factors. Also, future research may conduct a longitudinal study to explain how temporal changes and usage experience affect users’ behavioral intentions to adopt wearable payments. Finally, while this study included both influencing factors and inhibiting factors, other factors such as social influence, perceived compatibility, personal innovativeness, mobility, and customization could be considered in future research.

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“…The results indicated that in Thailand, E-lifestyle significantly moderates the dynamics influencing E-banking predilections of bank customers. (Kalinić et al .,2019) reported that males are most likely to apply mobile banking for payment than females. As a result, they are less impacted by the typical image on user resistance to mobile banking; while in Taiwan, E-lifestyle moderates standard barriers' impact.…”

Section: Lifestylesmentioning

confidence: 99%

Effect of Customer Lifestyles on the Awareness of “MobiCash” Banking Services of Wahda Bank in Libya

Bouthahab¹,

Khaled²

2021

JEEIR

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The 2013-2014 liquidity crisis in Libya has resulted in many Libyans' difficulties accessing their banking accounts and managing their financial standing. In place of this, many commercial banks have developed new mobile payment techniques, particularly the 'MobiCash' Service offered by Wahda Bank to assist Libyan customers in accessing their accounts and carrying out their financial transactions. This paper intends to examine the effect of lifestyle changes on mobile banking services or 'MobiCash' and their awareness of this novel service. Also, this study investigates the more profound understanding of Libyan customers. It highlights customers' socio-economic characteristics using 'MobiCash' services offered by Wahda Bank in the city of Derna in Libya. The questionnaires were distributed online, and a sample of 149 was obtained. SPSS was used to analyse the data and regression analysis to test the significant effect of customers' lifestyles and their awareness of 'MobiCash'. The results showed that Libyan customers were accepting of this form of mobile banking. The findings indicated that age and academic degrees do not influence awareness of 'MobiCash'. However, customer lifestyles affect awareness of the banking service of 'MobiCash'. Socio-Economic factors do not mediate the relationship between lifestyle and awareness of banking services of 'MobiCash'. This study's outcomes have increased the current knowledge on the behaviours and awareness of novel banking service features like 'MobiCash'. Moreover, the study may provide a more in-depth understanding of what is needed for Libyan banking customers to accept further this technological service and, thus, permit the improvement of banking strategies to attract potential users. Future researchers can extend the understanding of this study in other contexts and service environment.

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The moderating impact of gender on the acceptance of peer-to-peer mobile payment systems

Cited by 82 publications

References 64 publications

Mobile Payment Adoption in the Age of Digital Transformation: The Case of Apple Pay

Mobile Payment Adoption in the Age of Digital Transformation: The Case of Apple Pay

Understanding the Determinants of Wearable Payment Adoption: An Empirical Study

Effect of Customer Lifestyles on the Awareness of “MobiCash” Banking Services of Wahda Bank in Libya

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