Paying by Your Messaging Application?
Abstract
User adoption of mobile payments is low when compared to the traditional payment methods. At the same time, there has been a surge in the usage of second-generation mobile instant messaging (SMIM) services. Integrating these two services can be a game changer in the market, which needs more research from the viewpoint of end-user adoption. Similarly, for any service, trust is an extremely important factor that affects the adoption. Motivated by this fact, the current work proposes a trust based theoretical model for explaining the user adoption of an integrated mobile payment/SMIM service scenario. By considering both the positive and negative valences of user trust, the current study aims to deeply integrate its mediating role on the adoption intention. The research framework is proposed based on a multi-model approach by combining the concepts from valence framework, information system success model, and the technology adoption model. The proposed framework is empirically tested and validated by using a Partial Least Squares Structural Equation Modelling approach from a sample of 846 people, all having prior experience in using a mobile payment and SMIM service.
Authors: Debajyoti Pal, Suree Funilkul, Syamal Patra