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Journal articles on the topic 'Mobile payments'
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Setiobudi, Auditia, Christina Sudyasjayanti, Kevin Julianto Singgih, and Aiman Fauzi Gadi. "Mobile Payment Products in Indonesia: Is it a Lifestyle or a Need?" Jurnal Manajemen Bisnis 12, no. 1 (March 4, 2021): 115–26. http://dx.doi.org/10.18196/mb.v12i1.9440.
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Research aims: This study aims to explore consumers’ preferences and perceptions of the use of mobile payments in Indonesia.Design/Methodology/Approach: This study used a comparison of Cronbach's Alpha and Cronbach’s Alpha if Item Deleted to find items preferred by mobile payment users. Factor analysis was employed to get consumers' perceptions of using mobile payment.Research findings: The results of this study found that consumer preferences for the use of mobile payments were compatible with their needs, helped complete work/needs, were used by the social environment, were easy to use, and made consumers happy. Meanwhile, consumers’ perceptions of mobile payment were formed from three factors: perceived ease of use, intention to use mobile payment, and mobile payment self-efficacy.Theoretical Contribution/Originality: This study examines the use of mobile payments in Indonesia further.Practitioners/Policy Implications: Mobile payments are not only a lifestyle because the products’ benefits are increasingly numerous and varied.Research Limitations/Implications: This research was only conducted in Java.
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Borcuch, Artur. "The use of statistical methods in the analysis of mobile payment market in Poland." International Journal on Integrated Education 3, no. 2 (February 13, 2020): 45–50. http://dx.doi.org/10.31149/ijie.v3i2.324.
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Payments are an inherent element of economic activity (León and Ortega 2018). However, the evolution of payment instruments and the way individuals and businesses make daily payments has undergone enormous change in human history, particularly due to main innovations in payment systems in last decades (Gandhi 2016). The last innovation in payment system concerns mobile payment. The development of mobile payments market can have a positive impact on economic growth (Leon and Rodriguez 2012). Although the Polish market of mobile payments is in the initial phase of development, it is one of the pioneering and leading in Europe and globally. The main purpose of this article is to analyze, which feature (convenience, speed, availability, ease of use, safety) of mobile payments could be the most important for users from Poland.
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Vishwakarma, Pinki Prakash, Amiya Kumar Tripathy, and Srikanth Vemuru. "The Fact-Finding Security Examination in NFC-enabled Mobile Payment System." International Journal of Electrical and Computer Engineering (IJECE) 8, no. 3 (June 1, 2018): 1774. http://dx.doi.org/10.11591/ijece.v8i3.pp1774-1780.
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Contactless payments devised for NFC technology are gaining popularity. Howbeit, with NFC technology permeating concerns about arising security threats and risks to lessen mobile payments is vital. The security analysis of NFC-enabled mobile payment system is precariously imperative due to its widespread ratification. In mobile payments security is a prevalent concern by virtue of the financial value at stave. This paper assays the security of NFC based mobile payment system. It discusses the security requirements, threats and attacks that could occur in mobile payment system and the countermeasures to be taken to secure pursuance suitability.
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Varshney, U. "Mobile payments." Computer 35, no. 12 (December 2002): 120–21. http://dx.doi.org/10.1109/mc.2002.1106185.
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Mensah, Isaac Kofi, Yijun Liu, and Chuanyong Luo. "Factors Influencing the Continued Acceptance of Wechat Mobile Payments by Chinese Vendors." Information Resources Management Journal 34, no. 4 (October 2021): 28–47. http://dx.doi.org/10.4018/irmj.2021100102.
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Mobile payments have revolutionized and modernized the way payment transactions are completed. The acceptance of mobile payments is vital to eCommerce. This study explored the factors influencing the continued acceptance of WeChat mobile payments by a cross-section of vendors in the city of Ganzhou, China. A questionnaire was administered to 500 vendors with a response rate of 81%. The results show that performance expectancy and trust fostered the continued acceptance of WeChat mobile payments. However, while effort expectancy was significant in predicting the level of trust in WeChat mobile payments, it did not significantly influence their continued acceptance. Social influence, facilitating conditions, and trust in WeChat mobile payments were all significant predictors of the continued acceptance of WeChat mobile payments.
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Xu, Ruohan. "Optimized Secure Payment Solution Using QR Code Scanning based on Operation-payment Dual Devices." BCP Business & Management 17 (February 23, 2022): 118–23. http://dx.doi.org/10.54691/bcpbm.v17i.383.
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With the development of the internet and mobile payment technology, the mobile payment transaction volume in China is rising year by year. Likewise, an increasing number of people are using mobile payments for their convenience and stability. In recent years, however, security incidents involving these mobile payments have also occurred more frequently. Some lawbreakers have been known to add illegal information to QR codes so that the mobile phones of unwitting customers are infected with viruses when they scan the codes to make payments. These viruses result in losses of personal property. In view of this, we propose an optimized secure payment solution for QR code scanning based on Operating-payment dual devices. This sets a separation of the payment process by utilizing both an operating device and a payment device, so as to minimize losses when customers scan malware-infected QR codes. Through theoretical analysis, our proposed solution can effectively improve the security of QR code payments, and meet the requirements for secure payment in daily life.
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Effendy, Femmy, Vanessa Gaffar, Ratih Hurriyati, and Heny Hendrayati. "ANALISIS BIBLIOMETRIK PERKEMBANGAN PENELITIAN PENGGUNAAN PEMBAYARAN SELULER DENGAN VOSVIEWER." Jurnal Interkom: Jurnal Publikasi Ilmiah Bidang Teknologi Informasi dan Komunikasi 16, no. 1 (April 28, 2021): 10–17. http://dx.doi.org/10.35969/interkom.v16i1.130.
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This study examines trends in research developments with the topic of the use of mobile payments, e-wallets. The study aims to determine: (1) the development of the number of international publications on the use of mobile payments, w-wallets on the Scopus database from 2016-2020; (2) core journals in international publications on the use of mobile payment mobile payments, e-wallets (3) maps of development of international research publications in the field of use of mobile payment mobile payments, e-wallets based on keywords (co-word). The data was collected by searching through Scopus with the keywords mobile payment, mobile, payment, e-wallet, electronic swallow, with the categories article title, abstract, keywords in the period 2016-2020. Data in the form of number of publications per year, journals containing articles on mobile payment, mobile, payment, e-wallet, electronic swallow, and subjects were analyzed using Microsoft Excel. Meanwhile, the topic mapping trend was analyzed using the VosViewer software. The results showed that the highest growth in 2016-2020 indexed in Scopus occurred in 2020 which reached 82 publications (30.5%). Most international publications are published in IEE journals with 12 articles. The results show that the research topic of mobile payments or e-wallets is still dominated by the use of the Technology Acceptance Model (TAM) theory, Trust and perceived usefulness are still the most research variables, the choice of using survey methods, with Structural Equation Model analysis tools. (SEM) especially PLS (partial least square), is dominated geographically in research in developing countries. For further research, the authors suggest the need for additional keywords so that more research results are more accurate and comprehensive.
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Borcuch, Artur. "The statistical analysis of availability feature for payment cards with contactless payment function, cash and mobile payments in Poland. Results of own research." International Journal on Integrated Education 3, no. 2 (February 13, 2020): 56–61. http://dx.doi.org/10.31149/ijie.v3i2.326.
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Presently money is shifting from its analogue past to its digital future. The digitization of payments is transforming what both consumers and businesses expect from financial services. Although the Polish market of mobile payments is in the initial phase of development, it is one of the pioneering and leading in Europe and globally. The mobile payment industry in Poland is expected to reach US$ 26,893.9 million by 2025 (Poland Mobile Wallet 2019). The main purpose of this article is an attempt to answer the following question: how does “availability” feature influence consumer attention to use: payment cards without contactless payment function, cash and mobile payments?
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Borcuch, Artur. "The statistical analysis of „Safety” feature for payment cards with contactless payment function, cash and mobile payments in Poland. Results of own research." International Journal on Integrated Education 3, no. 2 (February 13, 2020): 51–55. http://dx.doi.org/10.31149/ijie.v3i2.325.
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During the last two decades, numerous innovative mobile payment services have been introduced to both developing and developed economies. Many mobile payment applications have been launched by mobile network operators. Although the Polish market of mobile payments is in the initial phase of development, it is one of the pioneering and leading in Europe and globally. The mobile payment industry in Poland is expected to reach US$ 26,893.9 million by 2025 (Poland Mobile Wallet 2019). The main purpose of this article is an attempt to answer the following question: how does “safety” feature influence consumer attention to use: payment cards without contactless payment function, cash and mobile payments?
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Acheampong, Patrick, Kofi Baah Boamah, Nana Agyeman-Prempeh, Frank Boateng, Isaac Asare Bediako, and Ruhiya Abubakar. "Trust and Continuance of Mobile Payment Use Intention." Information Resources Management Journal 34, no. 1 (January 2021): 19–42. http://dx.doi.org/10.4018/irmj.2021010102.
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The interactive nature of the internet has created many opportunities for mobile payment usage. In certain age groups and geographies, mobile payments have already unseated traditional means of effecting payment. In this study, 1,351 mobile payment users in Ghana were sampled using a structured questionnaire to investigate their intention to continue to use mobile payments technologies. The results showed that vendor reputation, word-of-mouth, and structural assurance significantly contribute to imbuing trust in mobile payment technology customers. When high levels of trust become identified with a brand, high numbers of customers choose to continue to use their current choice of mobile payment technology.
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Rybina, Liza. "Factors affecting usage of mobile payments by youth in Kazakhstan." Innovative Marketing 17, no. 4 (December 13, 2021): 103–10. http://dx.doi.org/10.21511/im.17(4).2021.09.
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Mobile payments are developing at a rapid pace in the modern world, affecting most areas of business, economics, and consumer life. Mobile payment services in Kazakhstan have emerged recently driven mostly by young and tech-savvy consumers. The current study applies the modified Technology Adoption Model to investigate the factors that influence the usage of mobile payments by young consumers in Kazakhstan. The data were collected from 351 respondents through an online survey using a structured questionnaire. The results of the multiple regression analysis revealed that perceived usefulness, perceived ease of use, transaction security, and trust are important determinants of mobile payment usage intention. These findings call for improvements in the technological development of mobile payment services to deliver usefulness, ease of use, and security, as well as marketing communications to build trust. On the other hand, no support was found for the effects of usage cost and availability of alternatives on behavioral intention to use mobile payments in Kazakhstan.
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Yang, Wei, Peng Yang, Huaiwang Shi, and Weizeng Sun. "Mobile Payment Application and Rural Household Consumption—Evidence from China Household Finance Survey." Sustainability 15, no. 1 (December 26, 2022): 341. http://dx.doi.org/10.3390/su15010341.
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How to release rural consumption potential is currently of great significance for the sustainable economic growth of the developing world. Using representative survey data from the China Household Finance Survey (CHFS), this paper studied the impacts of mobile payments on rural household consumption and its mechanisms. This study constructed instrumental variables from the perspective of induced demand for mobile payments to overcome the endogeneity problem and found that the application of mobile payments significantly promoted rural household consumption by 29.8–52.3%. Mechanism analysis indicated that mobile payments could ease liquidity constraints, enrich consumption choice, and improve payment convenience for rural households, which are the main channels behind the above finding. Heterogeneous analysis showed that the impact of mobile payments on household consumption of the elderly and less educated was relatively higher. Moreover, this study found that mobile payments are conducive to promoting the consumption upgrading of rural households by significantly improving their enjoyment consumption. In addition, although it encourages rural households to consume more online and mobile payment methods, it does not crowd out the effect of rural households’ offline consumption. The findings of this paper provide new insight into the role of technical progress in promoting total consumption and consumption upgrading in rural areas.
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Zhao, Haidong, Lini Zhang, and Sophia Anong. "Financial Experiences, Beliefs, and Near Field Communication Based Mobile Payments Among Young Adults." Journal of Financial Counseling and Planning 31, no. 1 (March 30, 2020): 69–82. http://dx.doi.org/10.1891/jfcp-18-00077.
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This study examined a conceptual model on the intention to adopt NFC-based mobile payment that incorporates financial experiences and beliefs. NFC refers to Near Field Communication, a new technology in mobile payments. From an online experimental survey of 463 U.S. young adults, this research found consumers who used cards among their payment methods as opposed to cash-only were less likely to adopt NFC mobile payment. Previous experience in non-NFC mobile payments had a significant positive association with intention to adopt NFC mobile payment. Among the beliefs, consumers with higher trust and higher perceived usefulness about NFC mobile payment had greater intentions to adopt it. Moreover, trust was found to have a mediating effect between non-NFC mobile payment experience and the intention to adopt NFC mobile payment. This study not only provides mobile payment providers with effective marketing strategies to increase consumers' adoption of NFC mobile payment but also provides financial educators with important implications to develop targeted education programs.
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Chang, Tao-Ku. "A Secure Operational Model for Mobile Payments." Scientific World Journal 2014 (2014): 1–14. http://dx.doi.org/10.1155/2014/626243.
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Instead of paying by cash, check, or credit cards, customers can now also use their mobile devices to pay for a wide range of services and both digital and physical goods. However, customers’ security concerns are a major barrier to the broad adoption and use of mobile payments. In this paper we present the design of a secure operational model for mobile payments in which access control is based on a service-oriented architecture. A customer uses his/her mobile device to get authorization from a remote server and generate a two-dimensional barcode as the payment certificate. This payment certificate has a time limit and can be used once only. The system also provides the ability to remotely lock and disable the mobile payment service.
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A. Rosli, Nur Fathin, Roslina Ibrahim, Yazriwati Yahya, Norziha M.M. Zainuddin, Suraya Yaacob, and Rasimah C.M. Yusoff. "Consumers’ Intention to Use Mobile Payment: A Case of Quick Response (QR) Code Applications." Mathematical Sciences and Informatics Journal 1, no. 1 (August 31, 2020): 20–34. http://dx.doi.org/10.24191/mij.v1i1.14166.
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Many transactions, nowadays such as banking, transportations, online shopping and bills payments, are implemented using mobile payment. To date, many mobile payment services are available in Malaysia, with companies offering their services competitively. However, adoption rates in Malaysia are considered slow due to many reasons. This study investigates the factors that affect consumer intention to use mobile payment based on QR code technology. A proposed model based on the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model was adapted to identify the factors that affect the use of mobile payments. A survey instrument was developed based on the proposed model. Data were collected from 50 consumers who used QR code mobile payments in Klang Valley. The quantitative analysis method was adopted and the SPSS statistical tool was used to analyze the data using both descriptive and inferential statistics. Results have shown that several factors significantly affect consumer intention to use QR code-based payment namely performance expectancy, effort expectancy, hedonic motivation, habit, and trust. This study provides meaningful insight on the reasons why consumers used QR codebased payment.
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Dharmastuti, Christiana Fara, Stevanus Pangestu, and Teresia Angelia Kusumahadi. "Consistency of Mobile Payment Usage, Performance, and Financial Inclusion." Business and Entrepreneurial Review 22, no. 2 (October 24, 2022): 311–26. http://dx.doi.org/10.25105/ber.v22i2.14179.
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The development of financial technology impacts different human lives, including business processes. The public increasingly favors mobile payment as a fintech application because of its practicality, ease, and speed. In addition, its application could improve business performance and financial inclusion for business people. This study aims to analyze the consistency of mobile payment usage that will impact tenant performance and financial inclusion, influenced by perceived risk, perceived benefit (return), and brand image of mobile payment. The sample used in this study consisted of 338 respondents who are business people in the Jabodetabek area who use mobile payments.The results showed that perceived benefit and image influence business people to consistently use mobile payments in their business, which will impact business performance and increase their financial inclusion.The managerial implication for fintech companies is to maintain product quality and the benefits of mobile payments. People often ignore the risks of using mobile payments, so fintech companies mustmaintain their performances in terms of information, fraud, and speed of response to reduce consumer risks.
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Dennehy, Denis, and David Sammon. "Trends in mobile payments research: A literature review." Journal of Innovation Management 3, no. 1 (April 7, 2015): 49–61. http://dx.doi.org/10.24840/2183-0606_003.001_0006.
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Mobile payments (m-payments) are increasingly being adopted by organisations as a new way of doing business in the 21st century. During the last few years, the use of m-payments as a new payment channel has resulted in an increase in the volume of literature dedicated to the topic. For this reason, this paper presents the findings of a review of literature aimed at identifying the key research themes and methodologies researched. In order to uncover these trends the authors reviewed the top twenty cited papers since 1999 and the twenty most recently published papers on m-payments since August 2014.
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Maharani, Yestias. "Minat Generasi Z Menggunakan Kembali Transaksi Mobile Payment: Pendekatan Model UTAUT 2." JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi 7, no. 2 (October 25, 2021): 140–54. http://dx.doi.org/10.31289/jab.v7i2.5641.
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Z generation is a generation that lives in the era of technology so that they are used to using technology in their daily lives, including mobile payments. This study was conducted to see the relationship between the variables contained in UTAUT 2 and additional variable trust with the desire to continuance use intention mobile payments. The UTAUT 2 variables used in this study are performance expectations, effort expectations, social influences, facility conditions, hedonic motivation, price value, habits and the additional variable used in this study is trust. Respondents involved in this study were Generation Z as many as 146 people, Generation Z is a generation that grew up in the midst of technological advances so that they are very accustomed to using technology and information systems including mobile payments. The variables of performance expectation, effort expectation, social influence, facility condition, hedonic motivation, price value have no significant effect on the creation of generation z to continuance use intention mobile payments transactions. Meanwhile, habits and beliefs have a significant influence on making z intentions to reuse cellular payment transactions. This is because generation z is a millennial generation who is used to using technology such as mobile payment transactions, and feels confident that their mobile payment transactions can maintain privacy for their data.
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Mohd Ariffin, Nor Hapiza, Fauziah Ahmad, and Umar Mohd Haneef. "Acceptance of mobile payments by retailers using UTAUT model." Indonesian Journal of Electrical Engineering and Computer Science 19, no. 1 (July 1, 2020): 149. http://dx.doi.org/10.11591/ijeecs.v19.i1.pp149-155.
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<span>Mobile payment is a form of payment transaction processing where the payer utilizes mobile communication methods together with mobile devices to initiate, authorize or complete payment. Hence, with the huge increase in mobile device usage, the retail sector will be able to collect large volumes of data. Unfortunately, most Malaysians still do not make full use of digital payments or cashless payments. Consumers in South East Asia still tend to use money or bank cards, and companies have been "limitedly effective" in encouraging a cashless revolution. The objective of this study was to identify the acceptance of mobile payment by retailers, the factors that contribute to the acceptance of mobile payment and the relationship between the factors were also the aim of this research. Several factors were contributing to mobile payments such as performance expectancy, effort expectancy, social influence, facilitating conditions, habit, privacy, perceived security and intentions which was based on the UTAUT model. This study used questionnaires to collect data and the data analysis was carried out using SPSS software. Based on the analysis that has been conducted, it can be seen that all the hypotheses of this research have a significant relationship except for the relationship between privacy and intentions that has a negative linear relationship. It is hoped that this research will give values to retailers with an understanding of the contributing factors that affect their acceptance of mobile payment technology in the retailing business.</span>
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Dinh, Van Son, Hoang Viet Nguyen, and The Ninh Nguyen. "Cash or cashless?" Strategic Direction 34, no. 1 (January 8, 2018): 1–4. http://dx.doi.org/10.1108/sd-08-2017-0126.
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Purpose This paper aims to investigate the factors which influence consumer adoption of mobile payments. It also proposes strategic initiatives including integrated marketing communications to enhance and promote consumer adoption of such a mode of payments. Design/methodology/approach This paper focuses on the case of an emerging economy, Vietnam. Findings The key motivators of using mobile payment services include perceived usefulness, convenience, promotional offers, and social approval. In contrast, major barriers to consumer adoption of this mode of payment are lack of trust, limited opportunities for usage, complexity, and habits associated with cash payment. Practical implications Mobile payment service providers and their partners should make every effort to improve their consumers’ experience. Their marketing communication strategies should incorporate various consumer contact points such as the internet, social media, point-of-purchase communications, TV commercials, and product placement and endorsement. Originality/value This paper is among the first of its kind which provides insights on consumer adoption of mobile payments in Vietnam. Hence, it would be of interest to consumers and also to key stakeholders such as mobile payment providers, financial institutions, retailers, telecommunication companies, and policymakers.
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Sinha, Mona, Hufrish Majra, Jennifer Hutchins, and Rajan Saxena. "Mobile payments in India: the privacy factor." International Journal of Bank Marketing 37, no. 1 (February 4, 2019): 192–209. http://dx.doi.org/10.1108/ijbm-05-2017-0099.
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Purpose The purpose of this paper is to understand Indian consumers’ intention to use mobile payments by examining their adoption readiness (AR) in the larger context of their technology readiness (TR) and their privacy concerns (PCs). Design/methodology/approach A four-city, three language, paper and pencil survey yielded a sample of 600 respondents from India. Data were analyzed using structural equations modeling. Findings This study finds that AR positively mediates the relationship between TR and intention to adopt (IA) mobile payments. More importantly, PCs negatively moderate the relationship between AR and IA. Research limitations/implications Results will vary depending on country and other variables outside the scope of this study such as perceived risk, trust, etc. The sample was large but mainly comprised males, between 18 and 35 years of age. Practical implications The cash shortage due to a recent demonetization move in India had spurred mobile payment adoption but usage and retention remained low. Many other banking self-service technologies had not been successful and digitization was critical for easing payments and potentially paving the way for mobile banking. However, using mobile phones for financial transactions raises PCs that attenuate the positive impact of AR. Also, understanding overall attitudes with TR is important in a rapidly digitizing country with relatively novice users. Social implications Adoption of mobile payment technology can help address social and economic challenges in India, such as financial inclusion, corruption and tax evasion. Given the increasing awareness of privacy issues in India, mobile payment adoption, which already faces acquisition and retention challenges, will likely to face greater resistance in the future. Originality/value The findings add to the literature on emerging markets and marketing of technology products by identifying the critical role of privacy in the adoption of financial technology services. Moreover, the authors demonstrate that given the rapid introduction of technology in India, consumers’ overarching TR has to be considered along with AR for mobile payments. Thus, the authors offer a tripartite, customer–technology–transaction view of the mobile payment adoption process in India.
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Tsai, Shuo-Chang, Chih-Hsien Chen, and Keng-Chang Shih. "Exploring Transaction Security on Consumers’ Willingness to Use Mobile Payment by Using the Technology Acceptance Model." Applied System Innovation 5, no. 6 (November 11, 2022): 113. http://dx.doi.org/10.3390/asi5060113.
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In recent years, with the increase in Fintech innovation, mobile payment has played an important role. This research is to investigate factors affecting consumers’ willingness to use mobile payment. The study found that perceived ease of use and perceived usefulness have a significant positive impact on consumer’s adoption of mobile payments. In addition, from empirical research on the mediating effect of transaction security on attitudes toward using it and behavioral intention to use, the study found that transaction security has a significant mediating effect, and empirical data shows that transaction security can strengthen consumers’ behavior towards using mobile payment intention, this also explained why the penetration rate of mobile payments in developed countries is lower than in developing countries. In summary, to encourage consumers to willingly use the new mobile payment tool, in addition to making the tool easy to use and useful, it is crucial that transaction security can assure consumers’ willingness to use mobile payment.
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Omarini, Anna Eugenia. "Fintech and the Future of the Payment Landscape: The Mobile Wallet Ecosystem - A Challenge for Retail Banks?" International Journal of Financial Research 9, no. 4 (August 21, 2018): 97. http://dx.doi.org/10.5430/ijfr.v9n4p97.
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Technological innovation, recent regulatory initiatives and mass consumers’ changing expectations are quickly re-shaping the payments’ sector, paving the way to a more open environment where even non-banking players see a huge opportunity to gain momentum and disrupt the incumbents, namely the financial institutions. Fintech startups, high-tech firms but also mobile network operators are indeed challenging the status quo with their innovative propositions, trying to disintermediate banks from their traditional function of payment service providers. In the payments market, mobile wallets represent one of the innovations with highest potential of growth in the consumer-to-business segment. Payment market is a large and profitable segment for retail banking. Besides revenue streams from card payment transactions, new sources of revenueas and value creation have been unleashed by digital payments. This paper contributes to provide a better understanding of the mobile wallet ecosystem, also analyzing a set of four business cases so to identify potential sources of competitive advantage for retail banks in a market characterized by an increased non-bank competition. Mobile wallet platforms can be a powerful tool for banks to cope with the customer-centric approach. The structure of the paper analyse the recent trends in the financial services industry, involving the entry of new players (Fintech); the evolution of payments in the market; the concept of ecosystem applied to the new payment landscape; and it outlines the banks’ roles in the new mobile payment environment.
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Bulsara, Hemantkumar P., and Esha A. Pandya. "An Exploration of Antecedents of Initial Trust in M-Payments." Journal of Electronic Commerce in Organizations 19, no. 4 (October 2021): 80–102. http://dx.doi.org/10.4018/jeco.2021100105.
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This study aims to investigate factors influencing the formation of consumers' initial trust in m-payments in a developing country such as India. Despite being considered a significant pre-adoption factor, initial trust in m-payments has remained underexplored. To fulfill this research gap, a cross-sectional survey of 1,087 respondents has been conducted, and the analysis has been done using factor analysis and structural equation modeling. Results indicate that consumers' awareness about m-payments and perceived integrity of mobile service providers positively influence initial trust, whereas perceived risks have a significant negative influence, and perceived opportunism of service provider has a marginally significant influence on the formation of initial trust. The findings will be helpful to the m-payment vendors, mobile network operators, and technology providers to enhance trust-building mechanisms in mobile payment systems that can have a positive impact on the adoption and usage of m-payments.
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Eksteen, Charlene, and Michael Humbani. "Understanding Proximity Mobile Payments Adoption in South Africa: A Perceived Risk Perspective." Journal of Marketing and Consumer Behaviour in Emerging Markets 2021, no. 2(13) (December 30, 2021): 4–21. http://dx.doi.org/10.7172/2449-6634.jmcbem.2021.2.1.
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Although existing literature claims that consumers are ready for proximity mobile payments, the reality is that adoption is still low in South Africa. Service providers’ attempts to translate this potential into profi t is hindered by consumers’ perception of risks associated with proximity mobile payments. The purpose of this study was to investigate the perceived risk dimensions as possible inhibitors of proximity mobile payment adoption, as well as to investigate the role of gender diff erences, drawing from the perceived risk and push-pull theories. Using a convenience sample, data was collected from South African smartphone users, from whom 284 valid online surveys were obtained. The standard regression analysis reveals that fi nancial-security and performance risk are predictors of proximity mobile payment adoption, and that product risk is not a signifi cant predictor, at least in the South African context. The fi ndings also reveal that both genders feel more or less the same about the infl uence of risk factors on the adoption of mobile proximity payments, except for performance risk. The results also show that females are more concerned about the performance of proximity mobile payments than males. The study provides tangible insights that service providers and marketers can use to guide application development and communication with consumers. A contribution is also made to the limited empirical research on the infl uence of proximity mobile payment risks on adoption during crisis times.
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Mahgoub, Yasmin, Niklas Arvidsson, and Alberto Urueña. "Emergence of a Digital Platform Based Disruptive Mobile Payments Service." International Journal of E-Business Research 14, no. 3 (July 2018): 1–19. http://dx.doi.org/10.4018/ijebr.2018070101.
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Banks are motivated to be interested in developing platforms to provide mobile payment services to their customer and for those to be innovative. However, the successful implementation of a mobile payments service platform is mainly determined by how much players are fully motivated to realize it. In fact, in the Swedish context, the involvement level of mobile payment service platforms are very high whereas few studies have examined the related issues of mobile payments service platform. Thus, the purpose of this article is to investigate the factors leading banks to develop platforms and how banks manage these platforms. Data was collected by conducting interviews of applicable banks. The results mainly showed that the driving factors are significantly influenced by contextual factors, mutual objectives and opportunities. This article also looks forward to providing the payment industry with applicable guidelines for efficiently implementing and designing mobile payment service platforms.
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Akanlisikum Akanferi, Albert, Isaac Asampana, Akwetey Henry Matey, and Hannah Ayaba Tanye. "Adoption of Mobile Commerce and Mobile Payments in Ghana: An Examination of Factors Influencing Public Servants." Interdisciplinary Journal of Information, Knowledge, and Management 17 (2022): 287–313. http://dx.doi.org/10.28945/4981.
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Aim/Purpose: Mobile commerce adoption is low in developing countries; hence, public servants may not consider mobile commerce and mobile payments. Understanding the factors that influence mobile commerce and mobile payments in their context will aid in promoting those services. Background: The study investigates the factors that influence public servants’ mobile commerce and mobile payments in Ghana. Hence, it provides some understanding of the various aspects of mobile commerce and mobile payments adoption, such as acceptance, use, and eventual adoption into the user’s daily life, and how that affects their behaviour. Methodology: The research was conducted by surveying the factors influencing public servants’ adoption of mobile commerce and payments in Ghana. A cross-sectional survey was undertaken to put the research model to the test to measure the constructs and their relationships. Contribution: The study confirmed previous findings and created a new conceptual model for mobile commerce and mobile payment adoption and usage in the Ghanaian context. Findings: The variables of performance expectancy, trust, and facilitating conditions have a significant positive influence on behavioural intention. The factors of effort expectation and social influence have a significant negative impact. Price value and perceived reliability are latent variables that do not affect behavioural intention. Behavioural intention and facilitating conditions significantly influence the actual use behaviour of mobile commerce and mobile payment users. Recommendations for Practitioners: Mobile commerce is emerging as a new mode of transactions, with firms providing enabling platforms for users. Mobile commerce could become the most acceptable application for the next generation of mobile platform applications. This study offers insights into the fluidity of the mobile environment, with implications that spell out what will be effective mobile commerce services that will continue to be relevant. Mobile applications are attractive to people because they provide a better user experience. These mobile applications have been optimised to provide a fast, easy and delightful experience. Mobile commerce and mobile payment service providers can attract and retain more users if attention is paid to performance expectancy, trust, and facilitating conditions since they influence individuals’ decisions to adopt. Mobile technology is almost ubiquitous, influencing both online sales and in-store sales. With the right mobile commerce platform and features, businesses can expect to increase in-store and online sales, catering to a more extensive clientele. Mobile devices are the primary means that most customers use to look up information about products they see in stores, such as product reviews and pricing options. This study indicates that mobile commerce service providers can achieve a more extensive customer base by promoting performance expectancy, trust, and behavioural intentions. Recommendation for Researchers: Despite the numerous studies in the mobile commerce literature, few have used integrated models of perceived reliability, trust, and price value or methods to evaluate these factors in the emerging mobile commerce industry. Also, it combines mobile commerce and mobile payments, which very few that we know of have done. Impact on Society: Ghana is already in a cash-lite economy. Thus, the study is appropriate with the result of trust being a significant factor. It implies that people will begin using mobile commerce and mobile payments with a bit of drive to bring about this drive quickly. Future Research: Future research could further test the adapted model with moderating factors of age, gender, and education to delve deeper into the complexities of mobile commerce and mobile payments.
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Sinclair, Wilbert, Lailan Maulia, and Tina Novianti Sitang. "Analisis Faktor-faktor yang Mempengaruhi Penerimaan dan Penggunaan Mobile Payment pada Teknologi Pembayaran Gopay." Owner 5, no. 1 (February 11, 2021): 229–39. http://dx.doi.org/10.33395/owner.v5i1.357.
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This study aims to determine the factors that influence the acceptance and the use of mobile payments in GOPAY payment technology by integrating the Technology Acceptance Model (TAM) theory, mobile payment characteristics, trust and security, and privacy. The research method used is a survey method. The sample of this research is GOPAY users in the Faculty of Economics at Prima Indonesia University, with as many as 222 (two hundred and twenty-two) respondents through an online questionnaire. Data analysis using Smart Partial Least Square (PLS) 3.0. The results of this study can be concluded that the factors that influence the acceptance and the use of mobile payments on GOPAY payment technology are mobile payment characteristics, trust and security, and privacy which is not supported in this study. GOPAY has the characteristics of mobility, reachability, compatibility, and convenience. The characteristics of mobile payments are not supported because users cannot experience the benefits. Trust is not supported because not all users trust GOPAY, especially in the process of topping up balances and receiving cashback after making payment transactions. Security and privacy are not supported because users do not trust GOPAY regarding topping up balances, if the balance does not come in, they can contact the bank.
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Susanto, Eko, Ikin Solikin, and Budi Supriatono Purnomo. "A REVIEW OF DIGITAL PAYMENT ADOPTION IN ASIA." Advanced International Journal of Business, Entrepreneurship and SMEs 4, no. 11 (March 1, 2022): 01–15. http://dx.doi.org/10.35631/aijbes.411001.
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Digital payments have changed people's financial behavior, particularly in Asian countries. The expansion of the internet network and the intensification of gadget functions have grown digital payment systems in mobile payments, internet banking, QR Codes, and electronic payments. Using a Systematic Literature Review, the study examined various Scopus articles from Asian countries to obtain an overview of the factors that influence the adoption of digital payments. We analyzed 597 digital, electronic, and mobile payment articles. TAM and UTAUT were found to be the most widely found theories to significantly affect user intent and even the continuity of digital payment use. While in the method, the structural equation model becomes the most widely used analytical method in various scientific publications related to this topic. This study has found internal and external factors from users in the adoption process of digital payments, including trust, perceived risk, satisfaction, security social influences, and facilitation conditions. Interestingly, some of these factors were insignificant in some studies due to differences in digital payment products that were the object of the study, respondents, and differences in research methods and approaches.
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Mbamala, Chinyere V., Chika N. John, and Nkechi F. Esomonu. "DEVELOPMENT OF AN IVR PAYMENT SYSTEM." International Research Journal of Computer Science 9, no. 9 (September 30, 2022): 359–66. http://dx.doi.org/10.26562/irjcs.2022.v0909.03.
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The payment system in Nigeria has experienced a major shift in recent years from the traditional mode of payment, resulting in a cashless society through mobile banking. This is a welcome development as the traditional system has a lot of drawbacks like spending hours on a queue just to make a transaction. Also, the advent of debit cards poses a challenge of inability to make payments if the card is not readily available, coupled with outrageous service charges from POS operators. Even in mobile banking, some challenges still abound such as network failure and session timeout which can be experienced while using USSD or Mobile banking applications. We are proposing an IVR payment system for customers to make payments to merchants for their goods and services. This system is very unique as it is yet to be explored in this part of the world. Imagine being able to make payments through a phone call. The need for better payment alternatives which hinges on convenience, affordability, accessibility and speed cannot be overemphasized. Our system does not require mobile data to be able to make payment transactions after purchase. Interestingly, it does not necessarily require a smartphone and as such has a high penetration especially in the rural areas, also providing a vocal guide to initiate payments for those who are visually impaired. We are able to achieve this by implementing the IVR technology, enabling customers and merchants to enroll on the platform and carry out payment transactions.
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Li, Bin, Sherman D. Hanna, and Kyoung Tae Kim. "Who Uses Mobile Payments: Fintech Potential in Users and Non-Users." Journal of Financial Counseling and Planning 31, no. 1 (April 7, 2020): 83–100. http://dx.doi.org/10.1891/jfcp-18-00083.
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This study used data from the 2015 National Financial Capability Study to analyze the adoption of mobile payments by U.S. households. While 24% of respondents used mobile payments, the mean rate for those under age 25 was 11 times the rate for those 65 and older. State rates ranged from about 9% in Montana to 34% in Washington, DC. Based on a logistic regression, age and an objective financial knowledge score were negatively while risk tolerance and a subjective financial knowledge score were positively related to mobile payment use. The results have implications for marketing of Fintech applications for personal finance, especially in terms of the extremely low mobile payment use by older consumers.
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Huddin, Muhammad Nurhaula Huddin, and Khairul Ikhsan. "MOBILE PAYMENT SATISFACTION POST PANDEMIC COVID-19 IN INDONESIA." Jurnal Riset Akuntansi Dan Bisnis Airlangga 7, no. 2 (November 27, 2022): 1326–79. http://dx.doi.org/10.20473/jraba.v7i2.39834.
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This study aims to examine the effect of technology security, ease of use, usability, and continuousimprovement on the satisfaction of mobile payment users. This study uses a purposive sampling techniquewith certain criteria. The population of this study are respondents who have used m-payment services duringthe Covid-19 pandemic from 2020 to 2021 in Indonesia. Questionnaires were distributed through an onlinesurvey method with a total sample of 317 respondents. Hypothesis testing was carried out using StructuralEquation Modeling (SEM) AMOS 23. The results showed that technology security had a positive effect onmobile payment satisfaction, ease of use had a positive effect on mobile payment satisfaction, usability had apositive effect on mobile payment satisfaction, continuous improvement had a positive effect on satisfactionmobile payments, and satisfaction have a positive effect on the trustworthiness of mobile payments. Thisresearch provides information to payment service providers to continuously improve improvements in allaspects of services, especially security and ease of use, as well as benefits for consumers in conductingfinancial transactions.
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Neßler, Christian, Bettina Lis, and Maximilian Fischer. "Entwicklungsstand des Mobile Payments." WiSt - Wirtschaftswissenschaftliches Studium 45, no. 11 (2016): 611–15. http://dx.doi.org/10.15358/0340-1650-2016-11-611.
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Graffeo, Michele. "Mobile payments for REDD+." Nature Climate Change 7, no. 7 (June 30, 2017): 472. http://dx.doi.org/10.1038/nclimate3340.
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Singh, Jitendra, Anil Kumar, and Kamlesh Kumar Raghuvanshi. "Evaluation of Mobile-Based Digital Payments and Challenges." International Journal of Digital Literacy and Digital Competence 12, no. 1 (January 2021): 15–29. http://dx.doi.org/10.4018/ijdldc.2021010102.
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Owing to the higher usage of internet post and during COVID-19, attacks on IT infrastructure and digital payment have surged. This work undertakes the empirical study on mobile-based payment and determines the impact of post-demonetization, during COVID-19 and post COVID-19. Number of banks supporting digital payment, value in each transaction, monthly values are the factors that have been undertaken for this study. Data revealed higher usage of mobile-based payments. On the other hand, security challenges on payment have been explored by considering the world's leading regulations and standards prevailing on mobile-based payment. Major recommendations of financial regulators and CERT-IN have been included for the deeper understanding of employed security. This work will be immensely helpful to all the stakeholders aiming to understand the mobile payment trends on multi dimensions and strengthening the security in mobile-based payment to avoid any losses that may be incurred due to cyber-attacks.
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Armansyah, Rohmad Fuad. "HERD BEHAVIOR IN USING MOBILE PAYMENT WITH UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT2)." Jurnal Manajemen dan Kewirausahaan 23, no. 2 (September 17, 2021): 111–28. http://dx.doi.org/10.9744/jmk.23.2.111-128.
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The development of information technology, followed by higher bank competition, has encouraged innovation in providing various alternatives for non-cash payments. Mobile payment services are increasingly popular with the increasing use of smartphones in the last five years in Indonesia, so that financial behavior has shifted its function towards digitalization. This study aims to discuss the financial herding behavior of using mobile payments using the Unified Theory of Acceptance and Use of Technology (UTAUT2) approach. The data used is respondent data as many as 355 Indonesian students who use the mobile payment application on a mobile device. The results obtained by the variable performance expectance and price value have a significant effect on the behavioral intention of users of mobile payment applications in Indonesia. Then behavioral intention was proven to significantly influence usage behavior and herd behavior as a form of financial behavior deviation which was proven to affect performance expectations.
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Ahamad, Shaik Shakeel, V. N. Sastry, and Siba K. Udgata. "A Secure Mobile Wallet Framework with Formal Verification." International Journal of Advanced Pervasive and Ubiquitous Computing 4, no. 2 (April 2012): 1–15. http://dx.doi.org/10.4018/japuc.2012040101.
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This paper proposes a Secure Mobile Wallet Framework (SMWF) using WPKI (Wireless Public Key Infrastructure) and UICC (Universal Integrated Circuit Card) by defining (a) a procedure of personalizing UICC by the client, (b) a procedure of provisioning and personalization (Mutual Authentication and Key Agreement Protocol) of Mobile Payments Application (which is on UICC) by the Bank and (c) our proposed mobile wallet is will have mobile wallet manager managed by CA (acting as TSM), every mobile application is independent, protected by firewalls and encrypted data is stored in the mobile wallet application. Their proposed Mobile Wallet ensures end to end security. The authors’ proposed SMWF is compared with recent works and found to be better in terms of generating client’s credentials, implementation of WPKI in UICC, personalization of mobile payment application by the bank and in ensuring end to end security (i.e., from Mobile Payments Application in UICC to the Bank Server). The proposed mobile payment protocol originating from Mobile Payment Application (which is on UICC) to the Bank Server realizes Fair Exchange ensures Confidentiality, Authentication, Integrity and Non Repudiation, prevents double spending, over spending and money laundering, and withstands replay, Man in the Middle (MITM) and Impersonation attacks. Proposed mobile payment protocol is formally verified using AVISPA and Scyther Tool and presented with results.
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Purohit, Sonal, Jaspreet Kaur, and Shakti Chaturvedi. "MOBILE PAYMENT ADOPTION AMONG YOUTH: GENERATION Z AND DEVELOPING COUNTRY PERSPECTIVE." JOURNAL OF CONTENT COMMUNITY AND COMMUNICATION, no. 8 (June 30, 2022): 194–209. http://dx.doi.org/10.31620/jccc.06.22/14.
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This paper aims to understand the factors that influence mobile payment adoption among youth concerning Generation Z customers, who are the most significant drivers of mobile payments, specifically in developing countries. Data was collected through a questionnaire accomplished by 365 undergraduate students between 18 to 22 years of age. The partial least square structural equation modelling (PLS-SEM) analysis instituted the behavioural intention to adopt mobile payments was substantially and positively affected by social influence, performance expectancy, and effort expectancy. In contrast, the facilitating conditions and price value were insignificant. The negative effect of price value on the intention to adopt mobile banking suggests the irrelevance of promotional offers (discounts, cash-backs) for adoption. The marketers can use the suggestions provided in the study to craft suitable strategies for the sustainable adoption of mobile payments by Generation Z customers in a developing country.
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Simorangkir, Zxavian Zebadia, and Kurnia Fajar Afgani. "THE ANALYSIS ON FACTORS INFLUENCING THE USE OF MOBILE PAYMENT SYSTEM AMONG GENERATION Z IN BEKASI CITY." Advanced International Journal of Business, Entrepreneurship and SMEs 3, no. 9 (September 15, 2021): 334–48. http://dx.doi.org/10.35631/aijbes.39022.
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The topic of the factors that influence the usage of Mobile Payments is not to be overlooked, given the rise in the use of Mobile Payments in recent years. The goal of this study is to identify the factors that have a major impact on users' use of mobile payment instruments. The study was carried out with the help of an online survey questionnaire, which was distributed to 414 people. The impact of performance expectancy, effort expectancy, social influence, trust, and perceived security on the behavioral intention of mobile payment usage was investigated in this study. This study used a quantitative approach, with Generation Z as the unit of analysis, and the respondents from Bekasi as the target population. Two of the criteria have a significant relationship with the behavioral intention to use the mobile payment instrument, according to the research. Based on the result of this study, it can be seen that perceived security has the most influence on the behavioral intention to use mobile payment, followed by social influence.
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Suprapto, Yandi. "ANALYSIS OF FACTORS AFFECTING THE USE OF CASHLESS MOBILE PAYMENT IN MILLENIAL GENERATIONS OF BATAM CITY." Journal of Business Studies and Mangement Review 4, no. 1 (December 31, 2020): 59–65. http://dx.doi.org/10.22437/jbsmr.v4i1.10748.
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The purpose of this study is to determine the factors or influences that lead to the use of cashless mobile payments on the Batam millennial generation. The number of electronic-based payment media provided is expected to be able to create payment transactions that are practical, efficient, safe and encourage the creation of a Less Cash Society (LCS). When compared to Indonesia with other ASEAN countries, the level of use of electronic-based payments in the community is still low. Generation Y or the Millennial generation (15 to 39 years) in 2017 showed a figure of 40.29% or as many as 105,520,300 individuals from 261,890,900 Indonesians considered to have the potential to increase the use of electronic-based payments and encourage public awareness of LCS.
The intention to use cashless mobile payments is the dependent variable. Attitudes, behavioral beliefs, financial costs, security and social influence act as independent variables for this study. Determination of the research object was carried out by purposive sampling method, namely the millennial generation (15 to 39 years) in Batam. Research data collection is based on the questionnaire method, namely electronic and online questionnaires with 230 collected data. The research data were analyzed through multiple regression analysis using SSPSS.
The results obtained indicate that the variables of attitude, security and social influence have a significant positive effect on the intention to use cashless mobile payment, while the variables of behavioral beliefs and financial costs do not have a significant effect on the intention to use cashless mobile payments.
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Chauhan, Madhu, and Isha Shingari. "Future of e-Wallets: A Perspective From Under Graduates’." International Journal of Advanced Research in Computer Science and Software Engineering 7, no. 8 (August 30, 2017): 146. http://dx.doi.org/10.23956/ijarcsse.v7i8.42.
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This paper study about e-payments specifically mobile wallets. As we all know that after demonetization, there is a tremendous increase in number of e-payments. This paper specifically targets undergraduate students and portrays their preferred mode of payment. It also suggest some steps that should be taken for betterment of e-payment facilities.
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Apanasevic, Tatjana, Niklas Arvidsson, and Jan Markendahl. "Mobile payments: A proposal for a context-oriented approach based on socio-technical theory." Journal of Innovation Management 6, no. 3 (November 23, 2018): 40–97. http://dx.doi.org/10.24840/2183-0606_006-003_0004.
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A recent review of mobile payment research by Dahlberg et al. (2015) concludes that there is a need to synthesise this research area by studying contexts in which innovation is carried out and to integrate different aspects of research. This article aims to provide a proposal for how to achieve such integration and context orientation by building on previous studies and offering an additional review. Our systematic literature review of mobile payments research is focused on papers published during 2006–2016. The main objective is to examine how mobile payments research has been conducted from the methodological and theoretical perspectives. Our findings show that research on mobile payments is a multidisciplinary research. Three main themes in the research (in line with previous studies) are customer adoption, technological aspects, and business aspects. Moreover, research is mainly analytical based on a deductive approach. To meet the challenge formulated in the previous research, we propose and apply a socio-technical system framework to achieve synthesis and context-specific consideration in future research on mobile payments.
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Apanasevic, Tatjana, Niklas Arvidsson, and Jan Markendahl. "Mobile payments: A proposal for a context-oriented approach based on socio-technical theory." Journal of Innovation Management 6, no. 3 (November 23, 2018): 40. http://dx.doi.org/10.24840/2183-0606_006.003_0004.
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A recent review of mobile payment research by Dahlberg et al. (2015) concludes that there is a need to synthesise this research area by studying contexts in which innovation is carried out and to integrate different aspects of research. This article aims to provide a proposal for how to achieve such integration and context orientation by building on previous studies and offering an additional review. Our systematic literature review of mobile payments research is focused on papers published during 2006–2016. The main objective is to examine how mobile payments research has been conducted from the methodological and theoretical perspectives. Our findings show that research on mobile payments is a multidisciplinary research. Three main themes in the research (in line with previous studies) are customer adoption, technological aspects, and business aspects. Moreover, research is mainly analytical based on a deductive approach. To meet the challenge formulated in the previous research, we propose and apply a socio-technical system framework to achieve synthesis and context-specific consideration in future research on mobile payments.
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Sani, Asrul, Nur Nawaningtyas Pusparini, Agus Budiyantara, Irwansyah Irwansyah, and Anton Hindardjo. "INVESTIGATING READINESS ATTITUDE TOWARD USING MOBILE PAYMENT SYSTEMS THROUGH TECHNOLOGY ACCEPTANCE MODEL." Jurnal Riset Informatika 3, no. 3 (June 1, 2021): 211–18. http://dx.doi.org/10.34288/jri.v3i3.233.
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The development of mobile payments is in line with the increasing number of application developers making features that are easy to use. The readiness of users to use mobile payments in making transactions is the main thing, whether users trust the applications used in transactions. This study attempts to model a framework where the technology readiness index and the technology acceptance model are used. Respondents in the study were in Jakarta with a purposive sampling technique, amounting to 204. Data processing used SPSS and SmartPls 3.0 applications. The results of this study provide knowledge about the level of readiness in using the mobile payment application, giving rise to an attitude of optimism, but not from a security perspective. Users still feel that mobile payments are still not safe to make transactions online
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Hampshire, Chris. "A mixed methods empirical exploration of UK consumer perceptions of trust, risk and usefulness of mobile payments." International Journal of Bank Marketing 35, no. 3 (May 15, 2017): 354–69. http://dx.doi.org/10.1108/ijbm-08-2016-0105.
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Purpose The purpose of this paper is to explore UK consumer perceptions of trust, risk and perceived usefulness of mobile payments through the use of sequential mixed methods. Design/methodology/approach A post-positivist philosophy is used with a social constructionist ontology with a questionnaire as the first survey instrument using an empirical sequential mixed methods approach. Summary quantitative analysis of the questionnaire data is undertaken followed by semi-structured interviews that produce qualitative data on which content analysis is undertaken to assess and explore UK consumer perspectives. The technology acceptance model is used as the underlying framework on which a conceptual model is developed. Findings UK consumers have significant risk and trust concerns with mobile payments, although these concerns can be overcome when clear consumer benefits are identified whilst bank supported mobile payments have an increased level of trust compared to new market entrants and other established companies. Furthermore, perceived trust positively influences perceived usefulness and mitigates perceived risk, whilst perceived risk negatively influences perceived usefulness. In addition, perceived usefulness significantly and positively influences UK consumer attitude which can lead to adoption. Research limitations/implications Whilst 120 completed questionnaire responses are received, only 101 questionnaires are used for analysis. In addition, ten semi-structured interviews are undertaken using a purposeful sample to minimise any imbalance (Oakley, 1981) which increases the reliability of the research findings (Hackley, 2003). This mobile payments research does not have a statistically secure universalisation of the findings, which negates the application of these research findings to other groups and to different social settings (Lincoln and Guba, 1985). Practical implications Mobile payment organisations will need to focus on identifying the specific benefits of mobile payments to UK consumers as mitigating risk and increasing trust do not compensate for the absence of usefulness. Social implications UK consumers indicate a lack of awareness of existing contactless payment guarantees provided by UK banks, although these payment guarantees significantly increase UK consumer trust. Originality/value Both quantitative and qualitative empirical data are obtained on UK consumer perspectives of risk, trust and perceived usefulness of mobile payments using sequential mixed methods.
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Zhong, Junying, and Marko Nieminen. "Platform as a Strategy." International Journal of E-Services and Mobile Applications 8, no. 1 (January 2016): 18–36. http://dx.doi.org/10.4018/ijesma.2016010102.
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Mobile payments are a new way to pay in the digital age. The emerging mobile payments enable viable businesses through real-time and context-specific transactions between consumers and collaborating actors. Mobile payment services realize in a multi-actor digital chain. Business interactions between actors take place in a coopetitive way: simultaneous competition and collaboration. However, little knowledge exists about mobile payment innovation strategy in coopetitive markets. This paper introduces the DISCO model (dynamics of innovation strategy in a coopetitive environment). It contributes to the exploration of strategic moves by mobile payment innovators through platform ecosystems. The results from a case study indicate that firms have the potential to be successful through collective innovation in a coopetitive environment along with the movement of their superior competencies. Moreover, the firms should pursue ways in managing the paradoxical relationships between competition and cooperation, resource allocation and combination, as well as leadership and loss-leader strategy.
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Ghandour, Ahmad, Hussein Al-Srehan, and Alhanof Almutairi. "Analysis of Demand and Supply for Mobile Payments in the UAE during COVID-19." Journal of Risk and Financial Management 16, no. 2 (January 17, 2023): 59. http://dx.doi.org/10.3390/jrfm16020059.
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The COVID-19 pandemic impacted many if not all aspects of our lives, including the way we handle money. This paper takes mobile payments as an example to show how COVID-19 affected the United Arab Emirates. Many researchers rushed into writing their first impressions in response to the pandemic to produce early study results. This paper uses these early electronic articles and blogs as valuable data sources for a first-level analysis. It attempts to assess the impact of COVID-19 on mobile payment services in the post-pandemic world from the demand and supply perspective in the UAE. The previous literature has been reviewed to understand the scope of the services present in the UAE before the onset of the pandemic. Further, an online questionnaire with open- and closed-ended questions was used to gather data from 125 vendors capable of receiving mobile payments. Regression analysis with two time periods has been included to develop a better perception of mobile payment services before and after the spread of the coronavirus. It was found that COVID-19 has created a suitable environment for mobile payments, with significant positive relationship in both periods. The reasons for using mobile payments during the pandemic were to apply social distancing and to avoid physical touch, a requirement in the COVID-19 period, resulting in a move towards creating a positive attitude towards a cashless society.
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Murthy, Dhiraj, Sabitha Sudarshan, Jung-Ah Lee, Charulata Ghosh, Pratik Shah, Wei-Jie Xiao, Ishank Arora, Clive Unger, and Amelia Acker. "Understanding the meaning of emoji in mobile social payments: Exploring the use of mobile payments as hedonic versus utilitarian through skin tone modified emoji usage." Big Data & Society 7, no. 2 (July 2020): 205395172094956. http://dx.doi.org/10.1177/2053951720949564.
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Despite research establishing emojis as sites of critical racial discourse, there is a paucity of literature examining their importance in the increasingly popular context of mobile payments. This is particularly important as new forms of social payment platforms such as Venmo bridge the seamlessness of mobile payments with the vibrant communicative practices of social networks. As such, they provide a unique medium to examine how emojis are used within the context of digital consumption, and by extension, self-representation. This study analyzes approximately 325 million public transactions on the U.S. payment platform Venmo to understand whether emoji usage in mobile payments is more hedonic or utilitarian. We then explore how race is represented across emoji usage on Venmo via tone-modified emojis, a subset of emojis whereby users can choose a skin tone. We found that while emojis in general are used for more hedonic purposes than utilitarian ones, darker tone-modified emojis indicate a proportionately higher use in hedonic consumption as compared to lighter tone-modified emojis, and also show a higher representation of utilitarian categories in transactions. Thematic analysis revealed that subsets with darker tone-modified emojis have a greater lexical variety and engage in more playful uses of emoji in mobile payments
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Singh, Jitendra. "LD Based Framework to Mitigate Threats in Mobile Based Payment System." International Journal of Innovation in the Digital Economy 10, no. 4 (October 2019): 1–17. http://dx.doi.org/10.4018/ijide.2019100101.
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Smartphones have deeply penetrated in modern lifestyle. Accordingly, usage has grown manifold in the area of social media, collaboration, and mobile-based payment. The security of smartphones is increasingly critical at the user end as well as at service provider's end due to the involvement of monetary payments and personal information. Despite using a smartphone for mobile payments, strong security measures have not been put into place by a majority of users, particularly those involved with electronic payments. This article is an attempt to identify threats applicable to smartphones and classify them based on a broader category of threats. Existing vulnerabilities have been explored. In the light of the digital India campaign, security preparedness among Indian users has been assessed by carrying out a survey that reveals a poor level of preparedness among mobile users. Finally, the authors have proposed a lotus diagram (LD)-based framework to mitigate threats that can negatively impact mobile-based payment. The proposed method will greatly help in strengthening security and mitigating the threats for the user.
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Manickam, Thirupathi, Vinayagamoorthi G., Gopalakrishnan S., Sudha M., and Mathiraj S. P. "Customer Inclination on Mobile Wallets With Reference to Google-Pay and PayTM in Bengaluru City." International Journal of E-Business Research 18, no. 1 (January 2022): 1–16. http://dx.doi.org/10.4018/ijebr.293295.
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In this cashless economy era, Information and Communication Technology (ICT) plays a vital role in making payments using various payment modes. The mobile wallet app is an innovative technology for avoiding the usage of physical cash. The mobile wallet records all kinds of transactions with a clear payment reference and makes it accountable for tax payments. There are countless reasons for using mobile wallets which makes service providers confused and leads them to offer unattractive features in the wallet apps making the offer as a failure. This paper attempts to collect the data from the mobile wallet users and provide a clear understanding of the reasons for using mobile wallets. Secondly, the customer preferences towards Google Pay and PayTm are analyzed in detail with primary data collected from mobile wallet users to suggest a model for improving the business. This research was conducted to understand the customer's inclination towards the use of mobile wallets.