A Comparative Study of Current and Potential Users of Mobile Payment Services

Previous studies of mobile payment (m-payment) services have primarily focused on a single group of adopters. This study identifies the factors that influence an individual’s intention to use m-payment services and compares groups of current users (adopters) with potential users (non-adopters). A research model that reflects the behavioral intention to use m-payment services is developed and empirically tested using structural equation modeling on a data set consisting of 529 potential users and 256 current users of m-payment services in Thailand. The results show that the factors that influence current users’ intentions to use m-payment services are compatibility, subjective norms, perceived trust, and perceived cost. Subjective norms, compatibility, ease of use, and perceived risk influenced potential users’ intentions to use m-payment. Subjective norms and perceived risk had a stronger influence on potential users, while perceived cost had a stronger influence on current users, in terms of their intentions to use m-payment services. Discussions, limitations, and recommendations for future research are addressed

Digital payments adoption research: A meta-analysis for generalising the effects of attitude, cost, innovativeness, mobility and price value on behavioural intention

yesThe rapid evolution of mobile-based technologies and applications has led to the development of several different forms of digital payment methods (DPMs) but with limited enthusiasm in consumers for adopting them. Hence, several academic studies have already been conducted to examine the role of various antecedents that determines consumers’ intention to adopt DPMs. The degree of effect and significance of several antecedents found to be inconsistent across different studies. This provided us a basis for undertaking a meta-analysis of existing research for estimating the cumulative effect of such antecedents. Therefore, this study aims to perform a meta-analysis of five antecedents (i.e. attitude, cost, mobility, price value and innovativeness) for confirming their overall influence on intentions to adopt DPMs. The results of this study suggest that the cumulative effect of four out of five antecedents found to be significant while influence of price value was found insignificant on behavioural intentions. The recommendations drawn from this research would help to decide if and when to use such antecedents for predicting consumer intention to adopt DPMs

Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal

YesMobile payments are the future as we move towards a cashless society. In some markets, cash is already being replaced by digital transactions, but consumers of many developing countries are slower in transition towards digital payments. This study aims to identify major determinants of consumer mobile payment adoption in India the country with second largest mobile subscribers in the world. Existing mobile payments adoption studies have predominantly utilised Technology Acceptance Model (TAM), which was primarily developed in organisational context and criticised for having deterministic approach without much consideration for users’ individual characteristics. Therefore, this study adapted meta-UTAUT model with individual difference variable attitude as core construct and extended the model with consumer related constructs such as personal innovativeness, anxiety, trust, and grievance redressal. Empirical examination of the model among 491 Indian consumers revealed performance expectancy, intention to use, and grievance redressal as significant positive predictor of consumer use behaviour towards mobile payment. Moreover, intention to use was significantly influenced by attitude, social influence, and facilitating conditions. The major contribution of this study includes re-affirming the central role of attitude in consumer adoption studies and examining usage behaviour in contrast to most existing studies, which examine only behavioural intention

A Reflection on Intercept Survey Use in Thailand: Some Cultural Considerations for Transnational Studies

How people respond to research surveys has been of long standing interest to investigators. In this paper, we reflect on our experiences in using the intercept survey as part of a study that examined m‑payment in Thailand. The paper does not rep ort the findings of the original m‑payment study, but highlights how the cultural features of the target population were an important consideration at the survey translation, pilot testing and data collection stages. We propose that cultural features such as face‑to‑face interaction, the intrinsic notion of politeness (Kreng Jai) and conveying respect to potential participants (giving the Wai) as significant elements in achieving a relatively high participation rate. Survey translation occurred via mo derated discussions where the cultural dimensions of collectivism and personal status (relevant in high PDI societies) were observed to influence group dynamics. In the field, the intercept survey promoted direct engagement with people (preferred among st collectivism cultures), with respondents observed to be highly considerate of investigator needs and thus more likely to participate in the study.The paper�s contribution is one of highlighting the importance of considering national culture in the ini tial survey translation stage and later when collecting data in the field. Although a reflective piece, we believe that the findings have the potential to inform and assist researchers to improve the quality of their survey instruments and data responses in similar cultural settings

A Reflection on Intercept Survey Use in Thailand: Some Cultural Considerations for Transnational Studies

How people respond to research surveys has been of long standing interest to investigators. In this paper, we reflect on our experiences in using the intercept survey as part of a study that examined m‑payment in Thailand. The paper does not rep ort the findings of the original m‑payment study, but highlights how the cultural features of the target population were an important consideration at the survey translation, pilot testing and data collection stages. We propose that cultural features such as face‑to‑face interaction, the intrinsic notion of politeness (Kreng Jai) and conveying respect to potential participants (giving the Wai) as significant elements in achieving a relatively high participation rate. Survey translation occurred via mo derated discussions where the cultural dimensions of collectivism and personal status (relevant in high PDI societies) were observed to influence group dynamics. In the field, the intercept survey promoted direct engagement with people (preferred among st collectivism cultures), with respondents observed to be highly considerate of investigator needs and thus more likely to participate in the study.The paper�s contribution is one of highlighting the importance of considering national culture in the ini tial survey translation stage and later when collecting data in the field. Although a reflective piece, we believe that the findings have the potential to inform and assist researchers to improve the quality of their survey instruments and data responses in similar cultural settings