Towards a Cashless Society: The Effects of Perceived Convenience and Security on Gamified Mobile Payment Platform Adoption

Abstract

Integrating gamification into mobile payment platform incentivizes people to use digital alternatives for payment and could spur user-centric, platform-mediated interactions. This study examines the relationship between perceived convenience and perceived security on individual users’ intention to use a gamified mobile payment platform in Malaysia; a developing country envisioned to build a cashless society. The partial least square structural equation modeling (PLS-SEM) technique is employed on a final sample of 388 online users. The results show that perceived convenience has a strong but indirect effect on the intention to use. Perceived security has a strong and direct effect on intention to use and mediates the relationship between perceived convenience and intention to use. Furthermore, the reliability aspect of security is a top priority concern for users interested in using mobile payment. The multi-functional aspect of convenience is a top priority concern to attract users who are not interested in using mobile payment at first. The study discusses theoretical and practical implications for developing a dual strategy of ‘ensuring convenience’ and ‘assuring security’ to encourage the gamified mobile payment platform adoption in developing countries.

Research on factors affecting people’s intention to use digital currency: Empirical evidence from China

“…In addition, the findings further promote the notion that perceived convenience would positively influence intention to use. The results were in agreement with similar studies carried out in Malaysia (Lai andLiew, 2021), 10.3389/fpsyg.2022.928735 FIGURE 3 Diagram illustrating the structural model. India (Pal et al, 2021), South Korea (Joo, 2018), and Indonesia (Nurlaily et al, 2021).…”

How Perceived Security Influences Continuance Intention to Use Mobile Wallet

“…The role of perceived security on user behaviour has gained scholars' attention. They confirmed that perceived safety acts as the predictor of users' intention in the pre-adoption stage (Chawla & Joshi, 2019;de Luna et al, 2019;Johnson et al, 2018;Lai & Liew, 2021;Lee & Kim, 2020). However, little attention has been given to the study of perceived security in the post-adoption stage (Lim et al, 2019;Sahi et al, 2021).…”

Enhancing students’ English language learning via M-learning: Integrating technology acceptance model and S-O-R model

“…In terms of convenience, in addition to the convenience of mobile devices and wireless networks in terms of time and place of learning, mobile learning system developers or content providers should provide users with the convenience of accessing the system and content and increase the convenience of the user implementation process in order to enhance the convenience of mobile learning [ 25 ].…”

“…Yoon and Kim [ 23 ] extended the concept of perceived convenience to TAM and their study showed that perceived convenience is one of the external variables that affect the acceptance of wireless LANs; Hossain and Prybutok [ 24 ] also found that perceived convenience affects the persistence of radio frequency identification (RFID). Lai and Liew [ 25 ] also found that perceived convenience affects consumers' intention to use gamified mobile payment platforms. Xu et al [ 5 ] also found that perceived convenience affects consumers' continuous intention to use tourism mobile applications in Mainland China.…”