Examining Merchants’ Refusal to Adopt Mobile Payment Systems in Spain

Abstract

Over the past years, traditional company management has been undergoing major changes regarding the adoption, implementation, and development of new technologies. Even if Internet commerce has the potential to revolutionize consumer behavior and the way merchants communicate with their customers, it is true that several activities related to the new technologies are still in the early stages of development or implementation. The main purpose of this study is to assess the determinants of m-payments from the point of view of merchants through an exploratory and qualitative analysis (literature review, focus groups, and in-depth interviews) in order to find the drivers and deterrents influencing the use of mobile payment systems in retail business. In order to properly approach the proposed research, a theoretical review of the actual situation of the different mobile payment systems across the different markets was carried through several personal interviews with merchants in the first place and, secondly, surveying over 151 retail companies in Spain. Conclusions and implications are discussed from the data and results drawn from this research, suggesting strategies to overcome some of the identified barriers and deterrents while also proposing some suggestions for future research opportunities.

The impact of technological-organizational-environmental (TOE) factors on firm performance: merchant’s perspective of mobile payment from Thailand’s retail and service firms

“…Based on the review of previous literature, we found some studies that could help us understand more about mobile payment in the context of the organization. Overall, the papers relating to firms and merchants discuss three different objectives: to investigate factors influencing merchant’s adoption (Apanasevic et al , 2016; Guo and Bouwman, 2016; Hayashi and Bradford, 2014; Khan and Ali, 2018; Lai, 2012; Liébana-Cabanillas et al , 2017; Nguyen and Lu, 2018; Nyawo, 2017; Otieno and Kahonge, 2014; Van der Heijden, 2002); to explore the drivers and barriers that hinder the mobile payment acceptance (Apanasevic, 2013; Liébana Cabanillas et al , 2016; Mallat and Tuunainen, 2005; Mallat and Tuunainen, 2008; Petrova and Wang, 2013; Schuster et al , 2016); and to understand the impact of mobile payment on business growth (Amegbe et al , 2017; Bosire and Ntale, 2018; Chale and Mbamba, 2015; Mbogo, 2010; Nyaga, 2013; Tumaini, 2016). …”

“…to investigate factors influencing merchant’s adoption (Apanasevic et al , 2016; Guo and Bouwman, 2016; Hayashi and Bradford, 2014; Khan and Ali, 2018; Lai, 2012; Liébana-Cabanillas et al , 2017; Nguyen and Lu, 2018; Nyawo, 2017; Otieno and Kahonge, 2014; Van der Heijden, 2002);…”

“…The few studies that do exist have examined the impact of mobile money service in African countries and have discovered a positive contribution related to financial performance such as sales, profits and cost reduction (Amegbe et al , 2017; Bosire and Ntale, 2018; Chale and Mbamba, 2015; Nyaga, 2013; Tumaini, 2016). While some previous mobile payment research has focused on the retail sector and has not highlighted the impact of mobile payment on performance, most studies have investigated the adoption by retail firms as a whole (Apanasevic et al , 2016; Guo and Bouwman, 2016; Hayashi and Bradford, 2014; Lai, 2012; Liébana-Cabanillas et al , 2017; Petrova and Wang, 2013; Schuster et al , 2016) or as a specific industry (Otieno and Kahonge, 2014).…”

Understanding Perceived Risks in Proximity Mobile Payment Adoption in South Africa and the Mediating Effect of Perceived Value

“…Extent literature indicates that the consumer's perception of risk is the most significant deterrent of the much-anticipated rise in the adoption of mobile payments (Taylor, 2016;Pelaez et al, 2017;Park et al, 2018;Killian and Kabanda, 2020). Analogous to these previous findings, of the 56 scientific articles reviewed by by Liébana-Cabanillas et al (2017) between 2002.63% of them identified perceived risk as the main barrier to the adoption of mobile payments, yet understanding remain fragmented for several reasons. First, Pelaez et al (2017) and Park et al (2018) identify perceived risk as a unidimensional construct while Groß (2016) and Yang et al (2016) consider it multi-dimensional to suggest inconsistencies in literature that require further research.…”

The Effect of Perceived Cost, Trust, Usefulness, And Customer Value Addition on Intention to Use of Go-Pay Mobile Payment Services In Small Traders

“…(Abhishek and Hemchand, 2016;Madan and Yadav, 2016). Meanwhile, from the merchant side, they have more attention on the technical and functional aspects of a service that is based on technology (Cabanillas et al, 2016, Cabanillas et al, 2017Li, 2018)…”