Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation

Gao, Lingling; Waechter, Kerem Aksel

doi:10.1007/s10796-015-9611-0

Cited by 349 publications

(280 citation statements)

References 103 publications

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“…Teo, Fraunholz, and Unnithan (2005) explored inhibitors and facilitators in the adoption of mobile phones as payment devices in Australia. The adoption of mobile payment systems was also the object, among others, of studies by Yang et al (2012) in China, Balachandran and Tan (2015) in Malaysia, Gao and Waechter (2015) …”

Section: Theoretical Backgroundmentioning

confidence: 99%

Intention to use new mobile payment systems: a comparative analysis of SMS and NFC payments

Liébana‐Cabanillas

Luna

Montoro-Ríos

2017

Economic Research-Ekonomska Istraživanja

113

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The rapid growth of mobile technology among the world's population has led many companies to attempt to exploit mobile devices as an additional tool in the business of sales. In this sense, the main objective of our study resides in comparing the factors that determine the acceptance by consumers of the SMS (Short Message Service) and NFC (Near Field Communication) mobile payment systems as examples of means of future payment. The model used in our research applies the classic variables of the Technology Acceptance Model, as well as that of Perceived Security, a model deriving from the review of the major relevant recent literature. The results achieved in this study demonstrate that there are differences in the factors that determine the acceptance in each of the systems, as well as the level of the Intention to Use. Finally, we highlight the main implications for management and cite some strategies to reinforce this new business in the context of new technical developments.

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Section: Theoretical Backgroundmentioning

confidence: 99%

Intention to use new mobile payment systems: a comparative analysis of SMS and NFC payments

Liébana‐Cabanillas

Luna

Montoro-Ríos

2017

Economic Research-Ekonomska Istraživanja

113

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“…Moreover, despite the apparent convenience and attraction of mobile payments (Gao & Waechter, 2015), actual take-up has been lower than anticipated, leading to the question of why consumers have not adopted mpayments to expected levels. For instance, while 52% of North Americans are "extremely aware" of mpayments only 18% use them on a regular basis (Silbert, 2015), often citing reasons including lack of personal value and trust (Shen, 2016).…”

Section: Introductionmentioning

confidence: 99%

Social commerce and the mobile platform: Payment and security perceptions of potential users

Williams

2021

Computers in Human Behavior

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“…Owing to the indispensable necessity of trust in online transactions, there has recently been a rise in research into the impact of initial trust on e-commerce adoption (Gao & Waechter 2015;Li, Jiang & Wu, 2014;Huang, Ba & Lu, 2014;Kim & Park, 2013), as well as building trust online Abstract (Chang & Fang, 2013;Wu, Huang & Hsu, 2014), the impact of trust on online transactions (Bleier & Eisenbeiss 2015;Yan, Zhang & Vasilakos, 2014), and determinants of online trust (Beldad, Van der Geest, De Jong & Steehouder, 2012;Shankar, Urban & Sultan, 2002;Karimov & Brengman, 2014;Wang & Emurian, 2005). In spite of growing research interest in online trust, the majority of these studies have been conducted from Western and Asian perspectives.…”

Section: Introductionmentioning

confidence: 99%

The effect of institutional trust on internet banking acceptance: Perspectives of South African banking retail customers

Maduku

2016

SAJEMS

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Transactions carried out in the uncertain and impersonal conditions of the Internet require substantial levels of trust. Obtaining customers' trust is therefore imperative to cultivating and nurturing long-lasting and profitable customer-firm relationships in online environments. Surprisingly however, there is currently a dearth of research on the effects of trust on customers' acceptance of e-commerce in Africa. This paper investigates the effects of the components of institutional trust on perceptions of ease of use and usefulness, as well as attitudes towards use on customers' intentions to use Internet banking services. An integrated research model based on the Technology Acceptance Model (TAM) was built and empirically tested using data obtained from 390 retail banking customers in South Africa. The results show that the proposed model possesses high explanatory capabilities as it could explain 61 per cent of the variance in Internet banking use intentions. The study results further show that situational normality is neither a salient determinant of customers' attitudes towards use of internet banking nor their use intention, whereas structural assurance is. By examining the effects of institutional trust on the TAM's variables, especially in a developing African country, this study does not only provide insights for managers in their efforts to achieve rapid adoption of Internet banking, but also contributes to the literature on the topic.

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Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation

Cited by 349 publications

References 103 publications

Intention to use new mobile payment systems: a comparative analysis of SMS and NFC payments

Intention to use new mobile payment systems: a comparative analysis of SMS and NFC payments

Social commerce and the mobile platform: Payment and security perceptions of potential users

The effect of institutional trust on internet banking acceptance: Perspectives of South African banking retail customers

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