What hinders the usage of smartphone payments in Russia? Perception of technological and security barriers

Semerikova, Ekaterina

doi:10.1016/j.techfore.2020.120312

Cited by 15 publications

(16 citation statements)

References 20 publications

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“…Juang and Jing revealed that various technologies, especially digital payment should have the security that is adequate (Jung & Jang, 2014). According to research earlier, perceived security proved to be one of the factors that is important in improving trust (Khalilzadeh et al, 2017;Mostafa, 2020;Roca et al, 2009) and behaviour intention (Alshurideh et al, 2021;Chatterjee et al, 2020;Mostafa, 2020;Semerikova, 2020). So based on these explanations, several hypotheses that can be proposed in this study are: H4 = Perceived Security has a significant positive effect on Trust of Digital Payment using QR Code H5 = Perceived Security has a significant positive effect on Behavior Intention of Digital Payment using QR code.…”

Section: Perceived Securitymentioning

confidence: 77%

“…This happened because several cases arose because of the misuse of data. Research conducted by Semerikova proves that perceived security is an obstacle for users to adopt the technology due to a lack of knowledge about how the technology works (Semerikova, 2020). The existence of QRIS regulations by Bank Indonesia as the banking regulator in Indonesia has increased public trust in the QR code payment method.…”

Section: Discussionmentioning

confidence: 99%

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Digital Payment During Pandemic: An Extension of The Unified Model of QR Code

Musyaffi

Johari

Rosnidah

et al. 2021

Acad. J. Interdiscip. Stud.

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QR Code Indonesian Standard (QRIS) is a digital payment system using a QR code that officially regulated in 2020. However, during the implementation of QRIS, there were still several problems, including security and data problems. The balance at the transaction time was not truncated, misuse of data, and application errors when scanning QR codes. This study aims to determine the factors that affect the acceptance of digital payments using QRIS. Especially those related to gaps in problems and research by combining the theory of acceptance and use of technology (UTAUT) and other variables that are also a problem in applying digital payments Security and Trust. The target population of this study is all digital payment users who use QRIS. Through the convenience sampling method, with a sample of 205 respondents. The questionnaire is distributed through an online questionnaire with Microsoft form. After that, the data will be evaluated using the Structural Equation Model (SEM) - Partial Least Square (PLS). The study results show that security as a reference is fundamental for users to increase their intention to use QR codes. Meanwhile, other components such as performance expectations and trust have proven to be essential components in initiating the intention to use digital payments using QR Code. However, not all variables from UTAUT have a significant impact, such as effory expectations. This is because an essential point in using digital payments using QR codes, especially during a pandemic, requires more security and productivity. Received: 19 June 2021 / Accepted: 15 September 2021 / Published: 5 November 2021

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Section: Perceived Securitymentioning

confidence: 77%

Section: Discussionmentioning

confidence: 99%

Digital Payment During Pandemic: An Extension of The Unified Model of QR Code

Musyaffi

Johari

Rosnidah

et al. 2021

Acad. J. Interdiscip. Stud.

View full text Add to dashboard Cite

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“…Researchers have therefore called for research into the barriers to digital payment adoption and usage (Pal et al, 2020;Semerikova, 2020). One of the major barriers is consumer perception of the risks associate with using digital payment (Chang et al, 2021;Raman and Aashish, 2021).…”

Section: Cashless Payment and Frpmentioning

confidence: 99%

Consumer attitudes toward facial recognition payment: an examination of antecedents and outcomes

Dang

Nguyen

et al. 2021

IJBM

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PurposeFacial recognition payment (FRP) has been recently introduced as a new cashless payment method in retail store context. Anchored on information systems and consumer theories, this research aims to investigate the key antecedents and outcomes of consumer attitudes toward this innovative payment method.Design/methodology/approachThis research used a survey method to obtain data from 795 consumers at retail stores in China. The data were then analyzed by different statistical methods, including descriptive statistics, reliability analysis and structural equation modeling.FindingsResults show that perceived usefulness, perceived ease of use and perceived innovativeness positively affect consumer attitudes toward FRP, while perceived risk negatively impacts such attitudes. In addition, consumer attitudes enhance store satisfaction, and hedonic shopping value plays a mediating role in this relationship.Practical implicationsThis study encourages retailers to adopt FRP that can enhance consumer hedonic shopping value and satisfaction.Originality/valueThis study contributes to the literature by explaining both the antecedents and the outcomes of consumer attitudes toward FRP in retail context. The study also provides fresh insights into how such attitudes can improve consumers' shopping values and satisfaction in an emerging market.

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“…Regarding RQ3, the study identified agent credibility and its elements -truthfulness and reliability as essential to prioritize for managerial as well as regulatory actions. However, privacy and security seem to be the top concern of consumers (Semerikova, 2020). The low level of professionalism implies the need for some interventions (e.g.…”

Section: Theoretical Contributionsmentioning

confidence: 99%