题名

DETERMINANTS OF MOBILE PAYMENT USAGE AND THE MODERATING EFFECT OF GENDER: EXTENDING THE UTAUT MODEL WITH PRIVACY RISK

DOI

10.7903/ijecs.1644

作者

Jin-Myong Lee；Bohan Lee；Jong-Youn Rha

关键词

Mobile Payment ； Privacy Risk ； Gender Difference ； Unified Theory of Acceptance and Use of Technology (UTAUT)

期刊名称

International Journal of Electronic Commerce Studies

卷期/出版年月

10卷1期（2019 / 06 / 01）

页次

43 - 64

内容语文

英文
中文摘要

Mobile payment is an emerging and important application for e-commerce and traditional offline commerce. This study investigates the determinants of the intention to use mobile payment services (MPS) and the extent to which these relationships are moderated by gender. For this purpose, a conceptual model is proposed by extending the UTAUT model with perceived risk. Data are from a web-based survey conducted using South Korean consumers (n = 528). Structural equation results reveal that performance expectancy and social influence have a positive effect on the intention to use MPS, whereas privacy risk has a negative effect. Gender was found to moderate two paths in the model, such that a high level of facilitating conditions increased the intention to use MPS for males but not for females, whereas privacy risk decreased the intention to use MPS for females but not for males. Theoretical and managerial implications for researchers and marketing practitioners are also discussed.
主题分类 基礎與應用科學 > 資訊科學
社會科學 > 經濟學
社會科學 > 財金及會計學
社會科學 > 管理學
参考文献
  1. Antovski, L.,Gusev, M.(2013).M-payments.Proceedings of the 25th International Conference on Information Technology Interfaces
  2. Bailey, A.,Pentina, I.,Mishra, A. S.,Ben Mimoun, M. S.(2017).Mobile payments adoption by US consumers: An extended TAM.International Journal of Retail & Distribution Management,45(6),626-640.
  3. Barford, K. A.,Smillie, L. D.(2016).Openness and other Big Five traits in relation to dispositional mixed emotions.Personality and Individual Differences,102,118-122.
  4. Celik, H.(2016).Customer online shopping anxiety within the Unified Theory of Acceptance and Use Technology (UTAUT) framework.Asia Pacific Journal of Marketing and Logistics,28(2),278-307.
  5. Chen, L. D.(2008).A model of consumer acceptance of mobile payment.International Journal of Mobile Communications,6(1),32-52.
  6. D. S. Choi, Looking back past 1 year of a FinTech boom- are mobile easy payment services truly convenient? Appstory, November 23, 2015.
  7. Cocosila, M.,Trabelsi, H.(2016).An integrated value-risk investigation of contactless mobile payments adoption.Electronic Commerce Research and Applications,20,159-170.
  8. De Kerviler, G.,Demoulin, N. T.,Zidda, P.(2016).Adoption of in-store mobile payment: Are perceived risk and convenience the only drivers?.Journal of Retailing and Consumer Services,31,334-344.
  9. Di Pietro, L.,Mugion, R. G.,Mattia, G.,Renzi, M. F.,Toni, M.(2015).The integrated model on mobile payment acceptance (IMMPA): An empirical application to public transport.Transportation Research Part C: Emerging Technologies,56,463-479.
  10. Elias, S. M.,Smith, W. L.,Barney, C. E.(2012).Age as a moderator of attitude towards technology in the workplace: Work motivation and overall job satisfaction.Behaviour & Information Technology,31(5),453-467.
  11. eMarketer, Mobile Payments in the US Growing Fast, but Still Far from Mass Adoption. Retrieved on November 7, 2016, from https://www.emarketer.com/Article/Mobile-Payments-US-Growing-Fast-Still-Far-Mass-Adoption/1014689.
  12. Faqih, K. M.,Jaradat, M. I. R. M.(2015).Assessing the moderating effect of gender differences and individualism-collectivism at individual-level on the adoption of mobile commerce technology: TAM3 perspective.Journal of Retailing and Consumer Services,22,37-52.
  13. Federal Trade Commission(2013).,USA:Federal Trade Commission.
  14. Fornell, C.,Larcker, D. F.(1981).Structural equation models with unobservable variables and measurement error: Algebra and statistics.Journal of Marketing Research,18(3),382-388.
  15. Garrett, J. L.,Rodermund, R.,Anderson, N.,Berkowitz, S.,Robb, C. A.(2014).Adoption of mobile payment technology by consumers.Family and Consumer Sciences Research Journal,42(4),358-368.
  16. GfK, Shoppers bringing online competition inside bricks-and-mortar stores. GfK press release. Retrieved on February 23, 2015, from http://www.gfk.com/news-and-events/pressroom/press-releases/pages/shoppers-bringing-online-competition-inside-bricks-andmortar-stores.aspx.
  17. Hair, J. F.,Black, W. C.,Babin, B. J.,Anderson, R. E.,Tatham, R. L.(2006).Multivariate Data Analysis.Upper Saddle River, NJ:Pearson Prentice Hall.
  18. Hérault, S.,Belvaux, B.(2014).Privacy paradox et adoption de technologies intrusives Le cas de la géolocalisation mobile/Privacy paradox and the adoption of intrusive technologies. The case of mobile location-based services.Décisions Marketing,74,67.
  19. Hoy, M. G.,Milne, G.(2010).Gender differences in privacy-related measures for young adult Facebook users.Journal of Interactive Advertising,10(2),28-45.
  20. Im, I.,Hong, S.,Kang, M. S.(2011).An international comparison of technology adoption: Testing the UTAUT model.Information & Management,48(1),1-8.
  21. Iyengar, S. S.,Lepper, M. R.(2000).When choice is demotivating: Can one desire too much of a good thing?.Journal of Personality and Social Psychology,79(6),995-1006.
  22. Kim, C.,Mirusmonov, M.,Lee, I.(2010).An empirical examination of factors influencing the intention to use mobile payment.Computers in Human Behavior,26(3),310-322.
  23. Kim, Y.,Park, Y. J.,Choi, J.(2016).The adoption of mobile payment services for "Fintech".International Journal of Applied Engineering Research,11(2),1058-1061.
  24. Koenig-Lewis, N.,Marquet, M.,Palmer, A.,Zhao, A. L.(2015).Enjoyment and social influence: Predicting mobile payment adoption.The Service Industries Journal,35(10),537-554.
  25. Kotler, P.,Keller, K. L.,Manceau, D.,Hémonnet-Goujot, A.(2015).Marketing management.NJ:Prentice Hall.
  26. Lee, J. M.,Rha, J. Y.(2016).Personalization–privacy paradox and consumer conflict with the use of location-based mobile commerce.Computers in Human Behavior,63,453-462.
  27. Lian, J. W.,Yen, D. C.(2014).Online shopping drivers and barriers for older adults: Age and gender differences.Computers in Human Behavior,37,133-143.
  28. Liébana-Cabanillas, F. José,Sánchez-Fernández, J.,Muñoz-Leiva, F.(2014).Role of gender on acceptance of mobile payment.Industrial Management & Data Systems,114(2),220-240.
  29. Lu, Y.,Yang, S.,Chau, P. Y.,Cao, Y.(2011).Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective.Information & Management,48(8),393-403.
  30. Mallat, N.(2007).Exploring consumer adoption of mobile payments–A qualitative study.The Journal of Strategic Information Systems,16(4),413-432.
  31. Mao, E.,Zhang, J.(2014).Gender differences in the effect of privacy on location-based services use on mobile phones.Twentieth Americas Conference on Information Systems
  32. Nunnally, J.(1978).Psychometric Methods.New York:McGraw-Hill.
  33. Oliveira, T.,Thomas, M.,Baptista, G.,Campos, F.(2016).Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology.Computers in Human Behavior,61,404-414.
  34. Oliver, R. L.(1980).A cognitive model of the antecedents and consequences of satisfaction decisions.Journal of Marketing Research,17(4),460-469.
  35. ParkI. S.,Ahn, H. C.(2012).A Study on the User Acceptance Model of Mobile Credit Card Service based on UTAUT.The E-business Studies,13(3),551-574.
  36. Pousttchi, K.(2008).A modeling approach and reference models for the analysis of mobile payment use cases.Electronic Commerce Research and Applications,7(2),182-201.
  37. Schierz, P. G.,Schilke, O.,Wirtz, B. W.(2010).Understanding consumer acceptance of mobile payment services: An empirical analysis.Electronic Commerce Research and Applications,9(3),209-216.
  38. Sheehan, K. B.(1999).An investigation of gender differences in on-line privacy concerns and resultant behaviors.Journal of Interactive Marketing,13(4),24-38.
  39. Slade, E. L.,Dwivedi, Y. K.,Piercy, N. C.,Williams, M. D.(2015).Modeling consumers’ adoption intentions of remote mobile payments in the United Kingdom: Extending UTAUT with innovativeness, risk, and trust.Psychology & Marketing,32(8),860-873.
  40. Slade, E.,Dwivedi, Y.,Williams, M.,Piercy, N.(2016).An empirical investigation of remote mobile payment adoption.Let's Get Engaged! Crossing the Threshold of Marketing's Engagement Era
  41. Sun, Y.,Wang, N.,Shen, X. L.,Zhang, J. X.(2015).Location information disclosure in location-based social network services: Privacy calculus, benefit structure, and gender differences.Computers in Human Behavior,52,278-292.
  42. Taddicken, M.(2014).The ‘privacy paradox’in the social web: The impact of privacy concerns, individual characteristics, and the perceived social relevance on different forms of self‐disclosure.Journal of Computer‐Mediated Communication,19(2),248-273.
  43. Tan, G. W. H.,Ooi, K. B.,Chong, S. C.,Hew, T. S.(2014).NFC mobile credit card: the next frontier of mobile payment?.Telematics and Informatics,31(2),292-307.
  44. Teo, A. C.,Tan, G. W. H.,Ooi, K. B.,Lin, B.(2016).Why consumers adopt mobile payment? A partial least squares structural equation modelling (PLS-SEM) approach.International Journal of Mobile Communications,13(5),478-497.
  45. Thakur, R.,Srivastava, M.(2014).Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India.Internet Research,24(3),369-392.
  46. Trustev, Almost 80% of iPhone users with access to Apple Pay have never tried it. Retrieved on March 5, 2015, from http://blog.trustev.com/how-many-people-are-using-apple-pay.
  47. Venkatesh, V.,Morris, M. G.(2000).Why don't men ever stop to ask for directions? Gender, social influence, and their role in technology acceptance and usage behavior.MIS Quarterly,24(1),115-139.
  48. Venkatesh, V.,Morris, M. G.,Davis, G. B.,Davis, F. D.(2003).User acceptance of information technology: Toward a unified view.MIS Quarterly,27(3),425-478.
  49. Wang, L.,Yi, Y.(2012).The impact of use context on mobile payment acceptance: An empirical study in China.Advances in Computer Science and Education,14,293-299.
  50. Wang, Y.,Hahn, C.,Sutrave, K.(2016).Mobile payment security, threats, and challenges.Mobile and Secure Services (MobiSecServ), 2016 Second International Conference on
  51. Yang, S.,Lu, Y.,Gupta, S.,Cao, Y.,Zhang, R.(2012).Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits.Computers in Human Behavior,28(1),129-142.
  52. Yang, Y.,Liu, Y.,Li, H.,Yu, B.(2015).Understanding perceived risks in mobile payment acceptance.Industrial Management & Data Systems,115(2),253-269.
  53. Zhou, T.(2013).An empirical examination of continuance intention of mobile payment services.Decision Support Systems,54(2),1085-1091.
  54. Zhou, T.,Lu, Y.,Wang, B.(2010).Integrating TTF and UTAUT to explain mobile banking user adoption.Computers in Human Behavior,26(4),760-767.
被引用次数
  1. (2021)。指尖經濟：行動支付使用意圖前置變數探討。績效與策略研究，18(2)，1-26。
print cancel