An Empirical Examination of User Adoption Mobile Payment

Abstract

Due to the high uncertainties and perceived risk associated with using mobile payment, it is critical for service providers to build users' trust. This paper explored the critical factors influencing users' intention to adopt mobile payment from a trust perspective. The results are based on a survey sample of 193 participants. SmartPLS2.0 is employed in the data analysis. The findings indicate that perceived ease of use, perceived usefulness, structure assurance and ubiquity have significant effect on users' trust, which further affect user usage intention. Thus mobile service providers need to concern trust to facilitate user adoption and usage of mobile payment services.

Users Supporting Multiple (Mobile) Electronic Payment Systems in Online Purchases: An Empirical Study of Their Payment Transaction Preferences

“…Among others, Davis [19] and Dwivedi et al [22] showed a positive relationship between the usefulness of technology and the intention of its adoption by users for which it is intended. Recently, among the most dominant technology and acceptance theories we found the: (i) TPB [45] that was developed by Ajzen [46] and derived from the TRA [47] by Fishbein and Ajzen [48], (ii) TAM that was built by Davis [19] to assess the acceptance of a new technology/invention, (iii) IDT [49] and (iv) the UTAUT [50], derived from TAM. The result has been valuable for consumers since they have access to more efficient, easy, transparent and flexible (M)EPS.…”

The Effect of Culture on Performance Expectancy, Intention, and Trust in Mobile Payment Adoption

“…As a result, CT plays an important role in m-payment adoption, and therefore, has received the attention of researchers. Many previous studies have recognised the significant impact of CT in m-payment adoption (Andreev, Pliskin, & Rafaeli, 2012;Hillman & Neustaedter, 2017;Patil et al, 2018;Qasim & Abu-Shanab, 2016;Xin et al, 2015;Yan & Yang, 2014). Consequently, this research adopts CT as one of the important factors in m-payment adoption and investigates the impact of culture on it.…”

“…Despite the advance of mobile technologies, the popularity of mobile devices, and the benefits of m-payment such as usefulness, convenience, security, more effective administration of financial expenses, and improvement of the customer experience (Silva, 2018), the penetration and adoption of m-payment are still lower than expected (Patil, Rana, Dwivedi, & Abu-Hamour, 2018). This leads to a need to study the factors influencing m-payment adoption (Gao & Waechter, 2017;Qasim & Abu-Shanab, 2016;Yan & Yang, 2014). In addition, there is a substantial development of m-payment in many developing economies which drives a lot of economic activity while many developed countries are in the beginning stage (BBVA, 2015;Clark, 2017).…”

Analisis Faktor-Faktor Penggunaan Aplikasi Dompet Digital Melalui Techonology Acceptance Model (Tam)

“…Sebuah studi oleh Hong dan Yang (2014), menyatakan bahwa studi-studi sebelumnya berbasis konstruksi seperti kepercayaan, biaya, mobilitas, situasi penggunaan, ekspresif, kenyamanan, kecepatan transaksi, kelompok referensi sosial, kondisi fasilitasi, daya tarik alternatif, privasi, kualitas sistem, dan kecemasan teknologi yang disesuaikan untuk studi dompet digital. Adapun studi yang dilakukan oleh Jonathan dan Soelasih (2022) mengemukakan bahwa masyarakat Indonesia sepakat bahwa baik faktor kemudahan dan faktor keamanan memegang peran penting dalam penggunaan dompet digital yang aman dan nyaman.…”