Contextual facilitators and barriers influencing the continued use of mobile payment services in a developing country: insights from adopters in India

Pal, Abhipsa; Herath, Tejaswini; Dé, Rahul; Rao, H. Raghav

doi:10.1080/02681102.2019.1701969

Cited by 111 publications

(69 citation statements)

References 122 publications

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“…In this study we extend the understanding surrounding the use of mobile payment services and its impacts on the consumer in an emerging economy like India. Existing literature on mobile payment usage in India indicates that facilitators like price benefit, network externalities, trust, and habit and barriers like lack of facilitating conditions, risk and operational constraints impact the use of mobile payments (Pal et al 2020). Further technology readiness and privacy concerns impact adoption of mobile payments in India.…”

Section: Implications For Theorymentioning

confidence: 99%

What Affects Usage Satisfaction in Mobile Payments? Modelling User Generated Content to Develop the “Digital Service Usage Satisfaction Model”

Kar

2020

Inf Syst Front

197

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Mobile payment services have become increasingly important in daily lives in India due to multiple planned and unplanned events. The objective of this study is to identify the determinants of usage satisfaction of mobile payments which could enhance service adoption. The "Digital Service Usage Satisfaction Model" has been proposed and validated by combining technology adoption and service science literature. First the data was extracted from Twitter based on hashtags and keywords. Then using sentiment mining and topic modelling the large volumes of text were analysed. Then network science was also used for identifying clusters among associated topics. Then, using content analysis methodology, a theoretical model was developed based on literature. Finally using multiple regression analysis, we validated the proposed model. The study establishes that cost, usefulness, trust, social influence, credibility, information privacy and responsiveness factors are more important to increase the usage satisfaction of mobile payments services. Also methodologically, this is an endeavour to validate a new approach which uses social media data for developing a inferential theoretical model.

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Section: Implications For Theorymentioning

confidence: 99%

What Affects Usage Satisfaction in Mobile Payments? Modelling User Generated Content to Develop the “Digital Service Usage Satisfaction Model”

Kar

2020

Inf Syst Front

197

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“…According to preceding studies, these risks and barriers provoked users' resistance to innovation and created unfavorable user attitudes (Bryson and Atwal 2013), which subsequently result in a decrease in their intention to adopt mobile banking/m-payment/ MFSs (Chemingui and Ben lallouna, 2013;Laukkanen, 2016;Kaur et al, 2020;Pal et al, 2020). Hence, the authors can hypothesize:…”

Section: Hypothesis Developmentmentioning

confidence: 99%

Users' attitude and intention to use mobile financial services in Bangladesh: an empirical study

Himel

Ashraf

Bappy

et al. 2021

SAJM

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PurposeWhile the usage of mobile financial services (MFSs) is increasing rapidly in developing countries, research on users' attitudes and behavioral intention to adopt MFS is limited. Thus, this study aims to investigate customers' attitudes and intentions to adopt MFS from a Bangladeshi perspective.Design/methodology/approachA mixed research design was employed to conduct this study. Data of 196 respondents were analyzed using partial least squares (PLS) path modeling. For the quantitative part, data collection was conducted using non-probability sampling through a structured survey questionnaire. A focus group discussion with ten MFS users from divergent backgrounds was conducted to validate the quantitative findings.FindingsThis paper integrated both the technology acceptance model (TAM) and innovation resistance theory (IRT) to validate the results. The authors found that perceived usefulness (PU), perceived ease of use (PEOU) and perceived trust (PT) positively contribute to customers' attitudes toward MFS adoption. Besides, barriers to acceptance had unfavorable effects on users' attitudes and usage intentions. Furthermore, a focus group discussion revealed valuable insights on the constructs used in this study.Practical implicationsThe study results have implications for both MFS providers and researchers. The outputs and recommendations presented in this paper will encourage the MFS practitioners to stimulate users' attitudes and behavioral intentions by ensuring useful, easy to use, credible and risk-free mobile payment platforms.Originality/valueThis is one of the very few studies in Bangladesh that have taken a contemporary and emerging research topic, providing theoretical, methodological and practical contributions regarding the determinants and consequences of attitude toward using MFSs.

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“…Park et al, [43] suggested that the satisfaction, service quality, anticipated workload, and anticipated risk are factors for continuous intention to use NFC technology in mobile payment. Oliveira et al, [64] suggested that forward-looking technology has added a lot of new functions to new mobile devices, such as making general payments and bank transfers. In the literature, most studies on customer usage of mobile payments have focused on the technology [33].…”

Section: Mobile Paymentmentioning

confidence: 99%

Applying Transaction Cost Theory and Push-Pull-Mooring Model to Investigate Mobile Payment Switching Behaviors with Well-Established Traditional Financial Infrastructure

Wung

2020

JTAER

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The technology of mobile payments has received more attention than ever. However, whether it is possible that mobile payment will become a common payment method for consumers depends on the willingness of consumers. This study focuses on the intention from cash payment to mobile payment and adopts a qualitative and quantitative approach based on the theoretical structure of the Transaction Cost & the Push-Pull-Mooring Migration Model of Service Switching. Firstly, the Delphi Method was applied to extract three push variables (perceived trouble, perceived lack of transaction records, and difficulty of paying large amounts in cash) and three pull variables (perceived convenience, perceived benefit, and perceived time-saving). After surveying 586 samples, this proposed model was tested with a structural equation modeling approach. Results: 1. the pull facet tends to be more significant than the push facet. 2. Perceived trouble had a significant effect on push factors, while perceived convenience and perceived benefit had a significant effect on pull factors. 3. Push-&pull factors had significant effect on behavior of gender-&-age. And the-transaction-costs can divide into positive-transaction-costs and negative-transaction-costs after incorporating the Push-Pull-Mooring theory.

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Contextual facilitators and barriers influencing the continued use of mobile payment services in a developing country: insights from adopters in India

Cited by 111 publications

References 122 publications

What Affects Usage Satisfaction in Mobile Payments? Modelling User Generated Content to Develop the “Digital Service Usage Satisfaction Model”

What Affects Usage Satisfaction in Mobile Payments? Modelling User Generated Content to Develop the “Digital Service Usage Satisfaction Model”

Users' attitude and intention to use mobile financial services in Bangladesh: an empirical study

Applying Transaction Cost Theory and Push-Pull-Mooring Model to Investigate Mobile Payment Switching Behaviors with Well-Established Traditional Financial Infrastructure

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