Mobile Payment Continuance Intention

A thesis submitted in partial fulfillment of the requirements for the degree of Doctor in Information Management, specialization in Information TechnologiesThe disruptive development of information and communication technologies over the last two decades has revolutionized the mobile phone industry, exponentially increased the number of mobile phone users, and encouraged companies to make various services available through a mobile phone. Mobile payment is one of the fastest growing services, enabling users to perform financial transactions over a mobile phone. The exponential growth of mobile payment has affected a number of sectors including finance and technology, thus reinforcing the need for a deep understanding of the impact of the continued use of mobile payment services. With this dissertation we contribute to a better understanding of the determinants of continuance intention to use mobile payment at the individual level. For this reason, were developed four studies, one literature review, and three empirical studies. In the first study (Chapter 2) we conducted a literature review of existing studies on individual continuance intention to use an information system. In Chapter 3 we assessed the continuance intention to use m-payment employing two theoretical models, the DeLone and McLean information system success model (D&M ISSM) and the expectation-confirmation model (ECM) in an African context. The impact of task technology fit (TTF) and overall trust on ECM to explain the continuance use of mpayment is analysed in Chapter 4. In the last study, Chapter 5, we assess the impact of culture on continuance intention to use m-payment, combining the ECM and Hofstede’s cultural dimensions. This dissertation provides several contributions for research and practice, contributing to the advancement of knowledge and implications for service managers, service providers, users, and researchers. The literature review applies meta-analysis and weight analysis from 115 empirical studies from continuance intention to use an information system (IS). The findings reveal that the factors with strongest influence on continuance intention to use an IS are affective commitment, attitude, satisfaction, hedonic value, and flow. Moreover, sample size, individualism, uncertainty avoidance, and long-term orientation moderate the relationship of perceived usefulness on continuance intention. Power distance, masculinity, and indulgence moderate the relationship of satisfaction on continuance intention. From the first empirical study we examine the influence individual performance drivers on continuance intention to use m–payment in an African context. We find that the most important predictors of continuance intention to use m-payment are individual performance, use, and satisfaction. The second empirical study integrates TTF and overall trust theories and evaluates their relationships for continuance intention to use mobile payment. Findings show that use, individual performance, overall trust, and the moderation role of satisfaction are the most important constructs to explain continuance intention. The last empirical study assesses the impact of culture on m-payment continuance intention. The findings reveal that the relationships between confirmation on satisfaction and perceived usefulness, and perceived usefulness on continuance intention are moderated by uncertainty avoidance.O desenvolvimento disruptivo das tecnologias de informação e comunicação nas últimas duas décadas revolucionou a indústria da telefonia móvel, aumentando exponencialmente o número de utilizadores de telemóveis, encorajando desta forma as empresas a disponibilizar diferentes serviços através de um telemóvel. O serviço pagamento móvel é um dos serviços que se encontra em um rápido crescimento permitindo aos utilizadores efetuar transações financeiras através de um telemóvel. O crescimento exponencial do serviço de pagamento móvel tem afetado diferentes sectores, tais como finanças e tecnologia, reforçando a necessidade de uma compreensão profunda do impacto da utilização contínua dos serviços de pagamento móvel. Com o desenvolvimento desta dissertação, esperamos contribuir para uma melhor compreensão dos determinantes da intenção de continuar a usar o serviço de pagamento móvel a nível individual. De forma a concretizar este objetivo foram desenvolvidos um total de quatro estudos distintos. No primeiro estudo (Capítulo 2) realizámos uma revisão bibliográfica dos estudos existentes sobre a intenção de continuar a utilizar um sistema de informação. No capítulo três, avaliámos a intenção de continuar a utilizar o serviço de pagamento móvel, empregando dois modelos teóricos, o DeLone and McLean information system success model (D&M ISSM) e o expectation-confirmation model (ECM) num contexto africano. O impacto do task technology fit (TTF) e o overall trust no modelo ECM para explicar o uso contínuo do serviço de pagamento móvel foi analisado no capítulo quatro. No último estudo, capítulo cinco, avaliámos o impacto da cultura na intenção de continuação da utilização do serviço de pagamento móvel, combinando as dimensões culturais de Hofstede e o modelo ECM. Esta dissertação apresenta várias contribuições para a investigação e para a prática, contribuindo para o avanço do conhecimento, provocando implicações para gestores de serviços, prestadores de serviços, utilizadores e investigadores. O estudo da revisão bibliográfica aplicou meta-analysis e weight analysis a partir de 115 estudos empíricos de intenção continuar a utilizar um sistema de informação (SI). Os resultados revelam que os fatores com maior influência na intenção de continuação da utilização de um SI foram o compromisso afetivo, atitude, satisfação, valor hedónico, e flow. Além disso, o tamanho da amostra, individualismo, prevenção da incerteza, e orientação a longo prazo moderam a relação entre perceção da utilidade e intenção de continuar, distância do poder, masculinidade e indulgência moderam a relação entre satisfação e intenção de continuar. Para o primeiro estudo empírico, examinámos a influência dos fatores de desempenho individual na intenção de continuação da utilização do m-pagamento num contexto africano. Verificámos que os preditores mais importantes da intenção de continuar a utilizar o serviço de pagamento móvel são o desempenho individual, uso e a satisfação. O segundo estudo empírico integrou as teorias da TTF e da confiança geral e avaliou as suas relações para a intenção de continuação da utilização do pagamento móvel. Os resultados mostram que o uso, desempenho individual, confiança geral, o papel de moderação da satisfação são os fatores relevantes para explicar a intenção de continuar a utilizar o serviço de pagamento móvel. O último estudo empírico avalia o impacto da cultura sobre a intenção de continuação do pagamento móvel. Os resultados revelam que as relações entre confirmação, perceção de utilidade com satisfação, perceção de utilidade com intenção de continuar são moderadas pela prevenção da incerteza

Understanding the factors of mobile payment continuance intention: empirical test in an African context

Franque, F. B., Oliveira, T., & Tam, C. (2021). Understanding the factors of mobile payment continuance intention: empirical test in an African context. Heliyon, 7(8), 1-12. [e07807]. https://doi.org/10.1016/j.heliyon.2021.e07807Few studies have been conducted about individuals’ continuance to use m-payment, especially in an African context. This study investigates the continuance intention to use m-payment, employing two theoretical models: the DeLone and McLean information system (D&M IS) success model and the expectation-confirmation model (ECM) in an African context. We collected 338 questionnaires through an online survey to evaluate and validate the proposed theoretical model, using partial least squares – structural equation modelling (PLS-SEM). Our results indicate that the most important predictors of continuance intention to use m-payment are individual performance, use, and satisfaction. The results present useful insight to understand continuance intentions toward mobile payment in an African context. The integration of D&M IS success model, and the ECM model is to allow us to understand the main factors affecting the continuance intention to use mobile payment in the African context. By combining these two models we show how to compensate for and complement the weaknesses and strengths of the models, solidifying our findings of continuance intention with a stronger model that is otherwise not possible.publishersversionpublishersversionpublishe

A meta-analysis of the quantitative studies in continuance intention to use an information system

Franque, F. B., Oliveira, T., Tam, C., & Santini, F. D. O. (2021). A meta-analysis of the quantitative studies in continuance intention to use an information system. Internet Research, 31(1), 1-36. https://doi.org/10.1108/INTR-03-2019-0103Purpose: This study aims to describe, synthesise and clarify the findings of published studies on individual continuance intention to use an information system (IS), considering the fact that the number of studies in the continuance intention context are growing exponentially and cover several different subjects. Design/methodology/approach: The research uses meta- and weight analysis by taking 115 empirical studies from continuance intention to use an IS. The data are presented in different views using significant and non-significant relationships from all the studies. Furthermore, it uses hierarchical linear meta-analysis to analyse potential moderators that can influence continuance intention. Findings: The results reveal that affective commitment, attitude, satisfaction, hedonic value and flow are the best predictors of continuance intention to use an IS. Sample size, individualism, uncertainty avoidance and long-term orientation moderate the relationship of perceived usefulness on continuance intention. Power distance, masculinity and indulgence moderate relationship satisfaction on continuance intention. Practical implications: The results reveal that continuance intention to use an IS has been studied in different countries, with different cultures; therefore, IS providers should have diversified managing strategies, to ensure the satisfaction of users and long-term usage of their IS. Originality/value: The study provides a systematic overview of the most relevant variables used in the literature, including a temporal analysis of the theoretical models, highlighting the evolution of the constructs and presents a moderation analysis.authorsversionpublishe

TTF Model with Trust in an African Context

Franque, F. B., Oliveira, T., & Tam, C. (2022). Continuance Intention of Mobile Payment: TTF Model with Trust in an African Context. Information Systems Frontiers. [Advanced online publication on 5 March 2022]. https://doi.org/10.1007/s10796-022-10263-8The use of mobile payment (m-payment) is growing exponentially in developing countries. A small number of investigations have been undertaken on what makes people continue to use m-payment in an African context. We combine the task technology fit (TTF) model, expectation-confirmation model (ECM), and trust dimension to explain the influence of continuance use of m-payment. We collected 384 valid questionnaire responses from Mozambique. The results show that the relevant constructs to explain continuance intention are use, individual performance, overall trust, and the moderation role of satisfaction.authorsversionepub_ahead_of_prin