thesis about online payment

Influence of Habits on Mobile Payment Acceptance: An Ecosystem Perspective

• Published: 22 October 2020
• Volume 24 , pages 247–266, ( 2022 )

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• Lin Jia 1 , 2 ,
• Xiuwei Song 1 &
• Dianne Hall 3  

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With the increase in the use of various mobile devices, mobile payments have become a crucial driver for commerce success. However, the percentage of consumers who use or continue using mobile payments in the US is low. This study adopts information technology (IT) ecosystem view and transfer of learning theory and explores the effects of five types of technology use habits on consumers’ intention to continue using mobile payments. Results indicate that consumers’ online shopping, mobile service use, and cell phone use habits have a positive relationship with their mobile payment use habit, positively affecting their intention to continue using mobile payments. Theoretical and practical implications of the findings are presented.

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Acknowledgments

This work was supported by the National Natural Science Foundation of China (Grant ID: NSFC 71602009); Beijing Institute of Technology Basic Research Fund Program (Grant ID: 20172142005); Special Fund for Joint Development Program of Beijing Municipal Commission of Education; Beijing Institute of Technology Research Fund Program for Young Scholars.

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Online Shopping Habit: Adopted from Setterstrom et al. ( 2013 )

Shopping online has become automatic to me.

Shopping online is natural to me.

When faced with a particular need, shopping online is an obvious choice to me.

Mobile Service Use habit: Adopted from Setterstrom et al. ( 2013 )

Using mobile services other than mobile payments has become automatic to me.

Using mobile services other than mobile payments is natural to me.

When faced with a particular need, using mobile services other than mobile payments is an obvious choice to me.

Cell Phone Use habit: Adopted from Setterstrom et al. ( 2013 )

Using cellphones has become automatic to me.

Using cellphones is natural to me.

When faced with a particular need, using a cellphone is an obvious choice to me.

Computer Use habit: Adopted from Setterstrom et al. ( 2013 )

Using computers has become automatic to me.

Using computers is natural to me.

When faced with a particular need, using a computer is an obvious choice to me.

Mobile Payment Use habit: Adopted from Setterstrom et al. ( 2013 )

Using mobile payments has become automatic to me.

Using mobile payments is natural to me.

When faced with a particular need, using mobile payments is an obvious choice to me.

Intention to continued use: Adopted from Venkatesh et al. ( 2012 )

I intend to continue using mobile payments in the future.

I predict that I will continue to use mobile payments frequently in the future.

I will strongly recommend that others use mobile payments.

Perceived Ease of Use: Adopted from Lin et al. ( 2011 )

Learning to use mobile payments is easy for me.

Becoming skillful at using mobile payments is easy for me.

Overall, I find mobile payments easy to use.

Perceived Usefulness: Adopted from Kim et al. ( 2010 )

Using mobile payments enables me to pay quickly.

Using mobile payments makes it easy for me to conduct transactions.

I find mobile payments a useful possibility for making payments.

Technology Readiness—discomfort: Adopted from Jin ( 2013 )

I sometimes think that mobile payments are not designed for use by ordinary people.

Mobile payments have health risks that are not discovered until after people have used them.

Mobile payments have safety risks that are not discovered until after people have used them.

Mobile payments consistently appear to fail at the worst possible time.

Technology Readiness—insecurity: Adopted from Lu et al. ( 2012 )

I can never be sure that the financial information I provided with my cellphone actually reaches the right place.

I consider it unsafe to perform any kind of payments with my cellphone.

I am concern that financial information I send with my cellphone will be seen by other people.

Technology Readiness—optimism: Adopted from Liljander et al. ( 2006 )

Using mobile payments allows me to have better control on my daily life.

Using mobile payments gives me freedom of mobility.

Products and services that use mobile payment technology are more convenient to use than those without mobile payment technology.

Technology Readiness—innovativeness: Adopted from Liljander et al. ( 2006 )

Other people seek advice from me on new information technologies.

In general, I am among the first in my circle of friends to acquire new IT when it is available.

I can usually determine new information technologies without help from others.

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Jia, L., Song, X. & Hall, D. Influence of Habits on Mobile Payment Acceptance: An Ecosystem Perspective. Inf Syst Front 24 , 247–266 (2022). https://doi.org/10.1007/s10796-020-10077-6

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Accepted : 11 October 2020

Published : 22 October 2020

Issue Date : February 2022

DOI : https://doi.org/10.1007/s10796-020-10077-6

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Journal of Enterprise Information Management

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Article publication date: 20 April 2010

The emergence of online transactions, enabled through internet media, has led to an increase in the availability of electronic payment (e‐payment) systems. This research aims to investigate, through theoretical constructs (technology acceptance model, theory of reasoned action) and an empirical analysis, the critical factors that may ensure consumer adoption of these facilities.

Design/methodology/approach

This research study mainly uses the deductive approach to consider secondary sources and primary data, where hypotheses have been developed in order to demonstrate the findings. An initial literature review revealed six issues that are considered critical for e‐payment considerations. An anonymous and self‐administered survey based on the research model was developed and e‐mailed to the respondents. A total of 155 questionnaires were coded and analysed using SPSS to analyse the hypotheses.

The research proved that the perceived importance of the critical factors was correlated through security, trust, perceived advantage, assurance seals, perceived risk and usability. The results demonstrate that three of the critical factors were necessary (security, advantage, web assurance seals) and three were relatively sufficient (perceived risk, trust and usability) through customer intentions to adopt an e‐payment system.

Originality/value

It is believed that the findings represent an important contribution to the further adoption of e‐payment facilities and indeed the design of general e‐commerce systems.

• Electronic commerce

Özkan, S. , Bindusara, G. and Hackney, R. (2010), "Facilitating the adoption of e‐payment systems: theoretical constructs and empirical analysis", Journal of Enterprise Information Management , Vol. 23 No. 3, pp. 305-325. https://doi.org/10.1108/17410391011036085

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• Shodhganga@INFLIBNET
• Jamia Milia Islamia University
• Centre for Management Studies

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