Transition from web to mobile payment services: The triple effects of status quo inertia

Gong, Xiang; Zhang, Kem Z.K.; Chen, Chongyang; Cheung, Christy M. K.; Lee, Matthew

doi:10.1016/j.ijinfomgt.2019.08.006

Cited by 78 publications

(86 citation statements)

References 75 publications

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“…These factors definitely have some importance, as has been brought out in our topic modelling, but statistically lower importance in explaining the variation of the dependent variable “usage satisfaction”. Recent literature has indicated that value of such mobile payment platforms are driven by self congruence and novelty but also faces threat from unintended consequences of usage of new technology (Karjaluoto et al 2019 ; Gong et al 2020 ). Our findings are complementing these findings that for users who are technology friendly, such challenges and theories of resistance are minimal in impacting usage satisfaction.…”

Section: Discussionmentioning

confidence: 99%

“…Mobile payments services are one of the convenient and effective methods for winning greater market share in this real environment (Bohle et al 2000 ). An initial look at the overview of large volumes of user generated content and then connecting it with adoption and service science literature indicates factors like cost advantage, usefulness, trust, information risk, security, social influence, ease of use, performance, credibility and information privacy could be relevant (Slade et al 2013 , 2015 ; Kapoor et al 2014 ; Pachpande and Kamble 2018 ; Gong et al 2020 ). 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.…”

Section: Discussionmentioning

confidence: 99%

“…Reviews on extended theories of adoption literature indicate a plethora of additional constructs along with these main constructs as indicated in Table 1 are available, like perceived trust, perceived security, price value, performance expectancy, to name a few (Slade et al 2013 ; Rana et al 2017 ; Chhonker et al 2017 , 2018 ; Dwivedi et al 2019 ; Tamilmani et al 2020 ). Adoption literature on mobile payments also highlight the relevance of theories on user resistance to such changes due opportunity appraisal factors like perceived value, threat appraisal factors like consequences of using new systems and secondary appraisal factors like sense of control while using such platforms (Gong et al 2020 ).…”

Section: Literature Reviewmentioning

confidence: 99%

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

Kar

2020

Inf Syst Front

192

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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: Discussionmentioning

confidence: 99%

Section: Discussionmentioning

confidence: 99%

Section: Literature Reviewmentioning

confidence: 99%

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

Kar

2020

Inf Syst Front

192

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“…Past studies that have established IN as a significant determinant of SI in mobile-related services. This includes settings in m-payment (Gong et al, 2020;Wang et al, 2019), mobile application (Li, 2018), and mobile instant messaging (Sun et al, 2017). Therefore, it is proposed that consumers with high IN are likely to continue using cash and be reluctant to use m-payment.…”

Section: Inertia (In)mentioning

confidence: 99%

Switching from cash to mobile payment: what's the hold-up?

Loh

Lee

Tan

et al. 2020

INTR

144

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PurposeThis paper explores the reasons behind the slow uptake of mobile payment (m-payment) from a switching intention (SI) perspective. The antecedents of SI from cash to m-payment were explored using an integrated conceptual model of the push-pull-mooring (PPM) framework and the status quo bias (SQB) perspective.Design/methodology/approachA self-administered survey was used to collect data, which are empirically tested using SmartPLS 3.0.FindingsThe push factor was found to have an insignificant effect on SI to m-payment whereas the pull factor was significant. Furthermore, the results revealed that the two mooring variables have contrasting results as trust is not a significant determinant of SI to m-payment while perceived security and privacy (PSP) is. Additionally, all SQB-related relationships were found to be statistically significantOriginality/valueThis study determined the factors that play vital roles in the consumers' decision-making to transition from cash to m-payment. This was done via a uniquely developed conceptual model that incorporated the PPM framework with the SQB perspective.

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“…For example, drew on Status Quo Bias theory and coping theory to study how the use of incumbent web payment (WP) services affects users' intention to use new mobile payment (MP) services [98]. The adoption behavior of mobile payment service (MPS) is the result of the interaction between the characteristics of MPS and contextual factors, such as purchase intention and time pressure [97]. Simply states that mobile payments are payments made through mobile devices.…”

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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Transition from web to mobile payment services: The triple effects of status quo inertia

Cited by 78 publications

References 75 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”

Switching from cash to mobile payment: what's the hold-up?

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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