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

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

Mobile Payment Adoption in the Age of Digital Transformation: The Case of Apple Pay

Current developments in information technology and communications, as well as the significant transformations the business world is being forced to make, are generating an opportunity for widespread acceptance of mobile payments. The present research analyzes the intention to use the Apple Pay mobile payment system, as well as contextualizing and evaluating the different antecedents of its use. To carry out the research, 539 users were invited to respond to an online questionnaire, and an analysis of structural equation modeling was used. The results indicate that perceived value is the variable that most influences the intention to use the proposed payment system, followed by perception of utility and risk. This work has important implications for companies in the sector

NUEVAS PERSPECTIVAS SOBRE EL COMPORTAMIENTO DEL CONSUMIDOR PARA LA ADOPCIÓN DEL PAGO MÓVIL SIN CONTACTO

Mobile payments using contactless technologies have great potential for dissemination in the market according to experts. Furthermore, studies on the acceptance of this technology are scarce, so this study researches the acceptance of contactless mobile payment systems using NFC technology. Scientific literature justifies a behavioral model based on Davis' TAM, which determines the intention to use a particular technology from a set of constructs based on user perception of four technology-related factors and two social characteristics of the individuals surveyed. Our purpose is define a model that allows a model the behavior of users to the NFC technology and how it can help the effectiveness of marketing activities. The results indicate that perceived compatibility and subjective norms are the determining factors in the intended use of contactless mobile payment technology. Finally, this study offers a set of recommendations to companies interested in faster diffusion of NFC technology.Los pagos móviles con uso de tecnologías sin contacto cuentan con un elevado potencial de difusión en el mercado según los expertos; además los estudios  relativos a la aceptación de este tipo de tecnología son escasos, por lo que desarrollamos en este estudio una investigación sobre la aceptación del pago móvil sin contacto utilizando la tecnología NFC. La literatura científica permitió justificar un modelo de comportamiento sobre las bases del TAM de Davis, que explica la intención de uso de la tecnología a partir de un conjunto de constructos basados en la percepción del usuario de cuatro factores relacionados con la tecnología y dos con las propias características sociales de los individuos encuestados. Nuestro objetivo es definir un modelo que permita modelizar el comportamiento de los usuarios ante la tecnología NFC y cómo éste puede ayudar la efectividad de las acciones de marketing. Los resultados demuestran como  la compatibilidad percibida y las normas subjetivas, principalmente, son factores determinantes en la intención de uso de esta tecnología sin contacto para pago móvil. Por último, este estudio ofrece un conjunto de recomendaciones a las empresas interesadas en una difusión más rápida de la tecnología NFC

NBC TG 1000: Uma Análise a Luz da Teoria da Estruturação nas Pequenas e Médias Empresas que Mais Crescem no Brasil

O estudo propôs analisar a aplicação dos procedimentos de adoção inicial, a partir da NBC TG 1000 na prática da contabilidade, pelas Pequenas e Médias Empresas (PMEs) no Brasil, associada com as modalidades de estruturação da prática social, nos preceitos da Teoria da Estruturação, por meio de um questionário online e aplicado pelo correio eletrônico às 250 PMEs que mais cresceram no Brasil em 2014. Foram respondidos 43 questionários eletrônicos. O método Modelagem de Equações Estruturais (MEE) foi utilizado para testar as hipóteses. Os resultados confirmaram a associação significativa e positiva das variáveis i) esquema interpretativo - ESINT com o ambiente da contabilidade (AMCON) e da ii) norma - NORMA com o ambiente da empresa (AMEMP). Os resultados não confirmaram a associação das variáveis i) esquema interpretativo - ESINT com o ambiente da empresa (AMEMP); da ii) facilidade - FACIL com o ambiente da empresa (AMEMP) e com o ambiente da contabilidade (AMCON); e da iii) norma - NORMA com o ambiente da contabilidade (AMCON). Concluindo-se que, de acordo com os preceitos da Teoria da Estruturação,  as modalidades / variáveis: esquema interpretativo - ESINT, facilidade - FACIL; e norma - NORMA, constituíram os meios pelos quais as PMEs, na dimensão da interação, reproduziram a prática da contabilidade adequada à NBC TG 1000, implementada no Brasil, na dimensão da estrutura. A principal contribuição acadêmica oferecida pelos resultados desta investigação é uma MEE capaz de analisar a associação dos procedimentos de adoção inicial, exigidos pela NBC TG 1000, na prática da contabilidade pelas PMEs no Brasil, com as modalidades de estruturação da prática social, nos preceitos da Teoria da Estruturação. Além disso, entre as contribuições práticas, esse estudo é relevante para os preparadores e os reguladores da NBC TG 1000 para PMEs no Brasil

Mobile Payments at the Point of Sale: Key Issues, Perspectives and Guidelines for Future User Adoption

Los pagos móviles tiene un elevado potencial para ser adoptados en poco tiempo, a la vez que los consumidores se interesan cada día más por los servicios móviles. En esta tesis doctoral se desarrollan cuatro estudios para comprender mejor los factores que influencian la decisión de adopción de los pagos móviles y sus variaciones entre diferentes entornos y tecnologías.La literatura científica permitió generar cuatro modelos de adopción sobre la base, tanto de las teorías clásicas de adopción de nuevas tecnologías (como la TAM, TPB, TRA, entre otras), como de las teorías más actuales y específicas relacionadas a la adopción de servicios móviles. Los modelos incluyen diferentes variables relacionadas tanto con las características propias del pago, como con las características del usuario. Se analizó la intención de uso de los pagos móviles por SMS, códigos QR y NFC, además de estudiar el efecto del interés del consumidor en usar servicios móviles adicionales al pago móvil como determinante del uso de este último. La investigación se llevó a cabo en España, Brasil y Alemania por medio de encuestas por Internet autoadministradas que se pueden dividir en cuatro estudios. Las muestras han sido de: 168 individuos en el estudio 1; 871 individuos en el estudio 2; 423 individuos en el estudio3; y 2.210 individuos en el estudio 4.Entre los diversos hallazgos presentados en esta tesis doctoral, podemos destacar que los modelos utilizados tienen un alto poder predictivo de la intención de uso del pago móvil (entre 56 y 71%). Todas las variables incluidas han demostrado ser importantes en el proceso de adopción del pago móvil, pudiendo destacar la actitud hacia el uso, o la utilidad percibida. La innovación personal, por su parte, se ha presentado relevante de diversas maneras, tanto como antecedente de la intención como moderador del comportamiento. Finalmente, el interés del consumidor por los servicios móviles también ha probado ser un antecedente relevante del uso de pagos móviles.Tesis Univ. Granada. Programa Oficial de Doctorado en: Ciencias Económicas y Empresariale

Mobile Payments at the Point of Sale: Key Issues, Perspectives and Guidelines for Future User Adoption

Los pagos móviles tiene un elevado potencial para ser adoptados en poco tiempo, a la vez que los consumidores se interesan cada día más por los servicios móviles. En esta tesis doctoral se desarrollan cuatro estudios para comprender mejor los factores que influencian la decisión de adopción de los pagos móviles y sus variaciones entre diferentes entornos y tecnologías.La literatura científica permitió generar cuatro modelos de adopción sobre la base, tanto de las teorías clásicas de adopción de nuevas tecnologías (como la TAM, TPB, TRA, entre otras), como de las teorías más actuales y específicas relacionadas a la adopción de servicios móviles. Los modelos incluyen diferentes variables relacionadas tanto con las características propias del pago, como con las características del usuario. Se analizó la intención de uso de los pagos móviles por SMS, códigos QR y NFC, además de estudiar el efecto del interés del consumidor en usar servicios móviles adicionales al pago móvil como determinante del uso de este último. La investigación se llevó a cabo en España, Brasil y Alemania por medio de encuestas por Internet autoadministradas que se pueden dividir en cuatro estudios. Las muestras han sido de: 168 individuos en el estudio 1; 871 individuos en el estudio 2; 423 individuos en el estudio3; y 2.210 individuos en el estudio 4.Entre los diversos hallazgos presentados en esta tesis doctoral, podemos destacar que los modelos utilizados tienen un alto poder predictivo de la intención de uso del pago móvil (entre 56 y 71%). Todas las variables incluidas han demostrado ser importantes en el proceso de adopción del pago móvil, pudiendo destacar la actitud hacia el uso, o la utilidad percibida. La innovación personal, por su parte, se ha presentado relevante de diversas maneras, tanto como antecedente de la intención como moderador del comportamiento. Finalmente, el interés del consumidor por los servicios móviles también ha probado ser un antecedente relevante del uso de pagos móviles.Tesis Univ. Granada. Programa Oficial de Doctorado en: Ciencias Económicas y Empresariale

Impact of mobile services on business development and e-commerce Advances in electronic commerce series./ [edited by] Francisco Liebana, Zoran Kalinic-Cabanillas, Iviane Ramos de Luna, Inma Rodriguez-Ardura.

Includes bibliographical references and index."This book examines the importance of mobile services in business development, including its advantages and possible disadvantages. It also explores links between economics, finance, marketing, consumer behavior, and computer science and information technology"--Section 1. Mobile and electronic commerce on business development. Chapter 1. The impact of emergent technologies in the evolutionary path for M-commerce ; Chapter 2. Analysis of a mobile payment scenario: key issues and perspectives ; Chapter 3. Understanding drivers and barriers affecting merchants' adoption of mobile payments: an empirical research and theoretical review focused in Spain ; Chapter 4. Times have changed, don't lose business because of "sorry we don't accept cards!" -- Section 2. Consumer behavior in mobile and electronic commerce. Chapter 5. Problems faced by consumers in e-commerce transactions with special emphasis on digital economy in India and the European Union ; Chapter 6. Understanding consumers' continuance intention and word of mouth in mobile commerce based on extended UTAUT model ; Chapter 7. Mobile fashion C2C apps: examining the antecedents of customer satisfaction ; Chapter 8. Assessing the antecedents of user intention to use mobile payment services in the context of emerging markets ; Chapter 9. Improving an app for visually impaired travelers: EMT Malaga case study ; Chapter 10. Mobile travel apps and generation y in Malaysia: an empirical evidence to understanding the factors influencing the intention to use ; Chapter 11. Profiling mobile service customers in the Spanish market.1 online resource (xviii, 280 pages)

Aceitação da tecnologia NFC para pagamentos móveis: Uma perspectiva brasileira

Purpose – This study investigates the acceptance of NFC technology for payment through mobile in a Brazilian context, which allow knowing the factors that influence directly or indirectly in that acceptance. Design/methodology/approach – Through an online and selfadministered questionnaire and using the snowball sampling procedure on social networks, the final sample consisted of 423 mobile phone users in Brazil and the technique used to prove the hypotheses was the Structural Equation Model. Findings – The results show that attitude, personal innovation in IT and perceived usefulness are determinants of future intention to use the NFC technology for payments in Brazil. Originality/value – The proposed model has a predictive power of intention to use NFC payment of 71%, demonstrating that it includes background with a large predictive power of acceptance of NFC technology which led us to highlight the main implications for the management and development of new studies in this field.Objetivo – Este estudo trata de investigar a aceitação da tecnologia NFC para pagamento através do celular no contexto brasileiro, o que possibilitará conhecer os fatores que influenciam diretamente ou indiretamente essa aceitação. Metodologia – Através de um questionário online auto-administrado e utilizando o procedimento de amostragem por bola de neve nas redes sociais, a amostra final estudada constou de 423 usuários de telefones celulares no Brasil. A técnica utilizada para provar as hipóteses formuladas foi a de Modelagem de Equações Estruturais. Resultados – Os resultados mostram que a atitude, a inovação pessoal em TI e a utilidade percebida são determinantes da intenção de uso futuro desta tecnologia no Brasil. Contribuições – O modelo proposto tem um poder preditivo da intenção de uso do pagamento NFC de 71%, demonstrando que o mesmo inclui antecedentes com um grande poder preditivo da aceitação da tecnologia NFC, o que nos levou a expor as principais implicações para a gestão e para o desenvolvimento de novos estudos na área

Assessing the Antecedents of User Intention to Use Mobile Payment Services in the Context of Emerging Markets

There is a growing interest in mobile payment services and its study is gaining popularity around the world. After reviewing literature related to mobile payment services, the current study proposes a conceptual model aiming to identify the main antecedents of user behavioral intention to use mobile payment services in an emerging market such as India. The authors collected data in the Delhi/NCR (national capital region) by means of an online survey technique. A structural equation modeling approach was used to test the proposed hypotheses. The results explain the importance of perceived usefulness, perceived attitude, and personal innovation of users in the use of mobile payment services. Perceived risk is found also relevant and negatively influences user intention to use. The findings of the study provide a background to preceding studies and encourage online businesses to combine this technology-based payment service.2018-1

Sharing economy and the impact of collaborative consumption Advances in finance, accounting, and economics (AFAE) book series./ [edited by] Iviane Ramos de Luna, Àngels Fitó-Bertran, Josep Lladós-Masllorens and Francisco Liébana-Cabanillas.

"Premier Reference Source."Includes bibliographical references and index."This book examines the impact of sharing services on society as well as the importance of the sharing economy development in the coming years. It also explores issues related to these sharing services such as regulations, the technological aspects involved in these platforms, and the impact on the tourism sector and consumer behavior"--Section 1. Sharing economy beyond collaborative consumption. Chapter 1. A conceptual framework of value sharing in the sharing economy ; Chapter 2. The politics of the sharing economy ; Chapter 3. The impact of collaborative consumption on sustainable development -- Section 2. Digital platforms and network capitalism. Chapter 4. Pricing rental tourist accommodation: Airbnb in Barcelona ; Chapter 5. The impact of sharing economy in heritage neighborhoods in Granada ; Chapter 6. Uber's strategy as a competitive business model of sharing economy ; Chapter 7. Manufactured risks of reward-based crowdfunding platforms ; Chapter 8. The strategic governance of sharing platforms: transaction costs and integration mechanisms -- Section 3. Collaborative consumption and consumer behavior. Chapter 9. What pulls consumers in and what pushes consumers out ; Chapter 10. Why rideshare?: an analysis of factors influencing intention to use ; Chapter 11. Determining factors of user satisfaction for bicycle-sharing systems: malagabici case study ; Chapter 12. How do food delivery platforms affect urban logistics?: the case of Glovo in Barcelona as a preliminary study ; Chapter 13. Collaborative finance and its hurdles to overcome ; Chapter 14. We are all digital tourists, but are all digital tourists the same?: characterization of digital tourists based on technology use.1 online resource (25 PDFs (323 pages)