An integrated framework for mobile payment in Pakistan: drivers, barriers, and facilitators of usage behavior

Abstract

The research aims to investigate the impact of theoretical drivers, facilitators, and barriers on the intention to adopt m-payment. It further examines the impact of the intention to adopt m-payment on usage behavior. Partial least squares structural equation modeling was used based on a suitable sample of 408 participants in Karachi, Pakistan. The findings contribute to a greater understanding of the factors that influence customer decision-making and, as a result, the adoption intention of mobile payment in Pakistan. Instead of relying on a single theory, the performed study presents an inclusive strategy for researchers by combining three recognized theories connected to technology acceptance. This research is conducted on a limited number of participants in Karachi, Pakistan. The survey should be conducted also be conducted internationally to obtain more comprehensive results; it could also be beneficial to determine customer preferences toward mobile payment systems in other nations. Limited literature was found that argued the intention to adopt m-payment and its impact on user behavior in the Pakistani context. Moreover, no studies were found that reflected and discussed the impact of barriers, theoretical drivers, and facilitators on m-payment.

Driving factors behind mobile payment app users’ continuance intention: insights for service providers in Malaysia

“…The findings concur with similar influences that have been reported in past studies (Abdul-Halim et al. , 2021; Ali et al. , 2022; Vishwakarma et al.…”

“…The findings show that usefulness, traceability and security each has a positive effect on attitude towards mobile payment apps (thus, supporting H1, H2 and H3). The findings concur with similar influences that have been reported in past studies (Abdul-Halim et al, 2021;Ali et al, 2022;Vishwakarma et al, 2018). To attract and retain users, stakeholders in the mobile payment app market should work closely to improve and demonstrate the usefulness of the apps to encourage wider adoption.…”

“…The higher the perceived security risk, the lower the user trust, which in turn results in a negative user attitude towards mobile payments (Khalilzadeh et al, 2017). To encourage mobile payment adoption, gaining user and merchant trust with better security and privacy measures is a key factor (Ali et al, 2022;Guo and Bouwman, 2016;Singh and Sinha, 2020).…”

“…, 2017). To encourage mobile payment adoption, gaining user and merchant trust with better security and privacy measures is a key factor (Ali et al. , 2022; Guo and Bouwman, 2016; Singh and Sinha, 2020).…”

Two decades of mobile payment research: A systematic review using the TCCM approach

“…The concern is that rewards prompt customers to share personal information (Mukherjee et al, 2013). While some studies have explored self‐disclosure behavior (Gong et al, 2019; Yang et al, 2020) and perceived security and privacy behavior (Akanfe et al, 2020; Khalek et al, 2023; Zhang & Luximon, 2021) of users in MPS, they have not examined how privacy risks can be mitigated to promote MPS adoption. Therefore, future research should use experimental research designs and theories like the privacy calculus model (Dinev & Hart, 2003, 2006) to understand and mitigate different privacy concerns (Finn et al, 2013) in MPS.…”