Understanding User’s Switching Intention on Mobile Payment Platforms

With the development of mobile payment (m-payment) service, the competition accordingly increases among m-payment market. Users face multiple choices when adopting m-payment services. It is critical for both scholars and m-payments providers to understand what the underlying factors can influence user’s switching from one incumbent m-payment platform to another. To solve this question, we employ a push-pull-mooring (PPM) framework to build the research model. We propose that user’s dissatisfaction on incumbent m-payment provider is the main push factor for user’s switching. The attractiveness of alternative and peer influence are the pull factors influencing user’s switching. Cognitive lock-in, as the mooring factor, could influence switching intention directly. Additionally, we posit that cognitive lock-in can moderate the effects of both push and pull factors on user’s switching intention. This study will use survey methodology and structural equation modelling approach to test the hypotheses