Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal

Patil, Pushp P.; Tamilmani, Kuttimani; Rana, Nripendra P.; Raghavan, Vishnupriya

doi:10.1016/j.ijinfomgt.2020.102144

Cited by 492 publications

(582 citation statements)

References 126 publications

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“…The predictive power offered by the model regarding the intention to use the mobile payment system studied is 71.2%, which represents a fairly significant value, considering other models that study the adoption of mobile payments [14,15,21,27,54].…”

Section: Discussionmentioning

confidence: 94%

“…Effort expectation is described as the degree of ease associated with the use of the technology by consumers [24]. Some authors identify the expectation of effort with Davis's ease-of-use variable [10,25], and many of the relationships proposed in various research studies have obtained similar results [26,27]. Many mobile terminals currently include different services that improve user ability, and consequently continued use intention, by reducing the effort required to manage them [28,29].…”

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

confidence: 99%

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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: Discussionmentioning

confidence: 94%

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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“…Application of the UTAUT Patil et al (2020) Extended UTAUT with personal innovativeness, anxiety, trust, and grievance redressal to examine consumer use behaviour towards mobile payment Malinga and Maiga (2020) Extended UTAUT with security and sensitization to investigate mobile money adoption among traders Based on the UTAUT, this study presents a model (see Figure 1) to address the research question. Following a combinatorial approach, we represent the five conditions in a Venn diagram to signify various pathways through which mobile money can be used to improve financial inclusion.…”

Section: Studiesmentioning

confidence: 99%

Pathways to improving financial inclusion through mobile money: a fuzzy set qualitative comparative analysis

Senyo

Osabutey

Kan

2020

ITP

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PurposeThe purpose of this study is to investigate and explain pathways through which mobile money can improve financial inclusion.Design/methodology/approachThe study used 294 survey responses from mobile money users in Ghana. The data were analysed using fuzzy set qualitative comparative analysis (fsQCA).FindingsThe findings reveal four pathways for improving financial inclusion through mobile money. In addition, the study identified three distinct user topologies as well as their associated pathways through which mobile money can be used to improve financial inclusion.Practical implicationsManagers and financial service organisations need to design products and services to align with different pathways and user topologies to improve financial inclusion through mobile money. Moreover, they need to take into account people’s diverse social and economic backgrounds.Originality/valueThe study makes theoretical and empirical contributions by unpacking pathways through which mobile money can improve financial inclusion. In addition, this study reveals three distinct user topologies, being ease-of-use, behavioural intention and coverage-price-service driven and associated pathways through which mobile money can improve financial inclusion. These pathways and user topologies are important to tailor mobile money services and financial inclusion policies. Lastly, this study is arguably the first to utilise the unified theory of acceptance and use of technology (UTAUT) in fsQCA to extend the mobile money literature.

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“…This study employed keywords such as "Airbnb" AND "guests" OR "consumers" OR "travellers" in Scopus database to locate papers relevant to the focal phenomenon -Airbnb guests (Patil et al, 2020). The keyword search returned 160 initial articles out of which only 45 focused on consumer/ travellers/guests were fully downloadable.…”

Section: Theories Used and Countries Examinedmentioning

confidence: 99%

Indian Travellers’ Adoption of Airbnb Platform

et al. 2020

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Much of the existing scholarly debate on sharing economy to date has focused on the use of technology in developed countries. However, the recent upsurge of mobile technology adoption in developing countries has provided suitable breeding ground for sharing economy. The lack of native theories in tourism and hospitality sector with scare utilization of unified theory of acceptance and use of technology (UTAUT) provide necessity for this research. This study adapted meta-UTAUT model as theoretical lens and extended the model with hedonic motivation, trust, and self-efficacy. Based on data from 301 potential Indian consumers, the results underscored the central role of attitude that significantly mediated the effects of effort expectancy, social influence, and facilitating conditions on consumer intention to use Airbnb. Meanwhile, performance expectancy emerged as significant direct determinant of intention alongside attitude, trust, and self-efficacy. The proposed model explained as much as 65% variance on Indian consumer’s intention to use Airbnb.

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Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal

Cited by 492 publications

References 126 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

Pathways to improving financial inclusion through mobile money: a fuzzy set qualitative comparative analysis

Indian Travellers’ Adoption of Airbnb Platform

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