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This study determines influential factors that account for mobile payment service adoption in a developing country and assesses the mediating effect of word of mouth on this platform. Our model combines multi-dimensions of trust and risk, and word of mouth to predict the target population’s use intention and use behavior. We use the structural equation modeling method to analyze the data collected by an online survey of 392 respondents who use mobile payment services in Bangladesh. This study’s results reveal that trust in service providers, trust in service, privacy risk, and security risk have significant impacts on the intention to use. The findings also indicate that word of mouth mediates the direct impacts of trust in service providers, trust in apps, and security risk on the intention to use. In addition, importance-performance map analysis depicts that word of mouth is the most critical performing factor, but performance is comparatively low.

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With the outbreak of COVID-19, the world is in unexpected chaos. In particular, the Korean economy, which has a large number of self-employed people, is experiencing enormous damage from COVID-19. The purpose of this study is to analyze the causal impact of start-ups and closures by industry due to the COVID-19 outbreak. For the causal impact analysis, we collected and analyzed 8,312,224 cases of start-up and closure of 190 businesses that occurred on the local administrative license data public site for 11 years from 2010 to 2020. As a result of the analysis of the causal impact of COVID-19, there were 29 industries in which start-ups increased(increase rate 313.14% ∼ 6.39%), 23 industries in which start-ups decreased(decrease rate 70.62% ∼ 11.27%), 21 industries in which closures increased(increase rate 157.55% ∼ 13.57%), and 18 industries in which business closures decreased(reduction rate 49.45% ∼ 12.91%). The industries in which start-ups increased and closures decreased due to the COVID-19 outbreak were disinfection, food transportation, and general sales of health functional food. The industries in where start-ups decreased and closures increased due to the COVID-19 outbreak were youth game providing industry, danran pub business, and general game providing industry. It is expected that the results of this study will help practitioners who manage various infectious diseases to understand the causal impact of infectious disease outbreaks and to prepare countermeasures.