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To use or not to use, that is the question: Analysis of the determining factors for using NFC mobile payment systems in public transportation

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  • Liébana-Cabanillas, Francisco
  • Molinillo, Sebastian
  • Ruiz-Montañez, Miguel

Abstract

There is growing interest in our society in making payments using mobile phones as an alternative to using cash, checks or credit cards. The objective of this study is to analyze the status of Near Field Communication (NFC) mobile payment systems in public transportation, as well as the factors that affect users' intentions to continue using said systems. To meet this objective, a personal survey was conducted on a sample of 180 users with experience using this type of system. A comprehensive review of the scientific literature justifies the development of a behavioral model that explains the continuance intention of NFC mobile payments through a structural equation model. The results show that satisfaction, service quality, effort expectancy, and perceived risk are determining factors of the continuance intention to use this technology. Finally, the managerial conclusions and implications offer the companies that manage these public services new business opportunities based on user behaviors.

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  • Liébana-Cabanillas, Francisco & Molinillo, Sebastian & Ruiz-Montañez, Miguel, 2019. "To use or not to use, that is the question: Analysis of the determining factors for using NFC mobile payment systems in public transportation," Technological Forecasting and Social Change, Elsevier, vol. 139(C), pages 266-276.
    • Handle: RePEc:eee:tefoso:v:139:y:2019:i:c:p:266-276
    DOI: 10.1016/j.techfore.2018.11.012
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    4. Jahanmir, Sara F. & Silva, Graça Miranda & Gomes, Paulo J. & Gonçalves, Helena Martins, 2020. "Determinants of users’ continuance intention toward digital innovations: Are late adopters different?," Journal of Business Research, Elsevier, vol. 115(C), pages 225-233.
    5. Abbasi, Ghazanfar Ali & Sandran, Thiviya & Ganesan, Yuvaraj & Iranmanesh, Mohammad, 2022. "Go cashless! Determinants of continuance intention to use E-wallet apps: A hybrid approach using PLS-SEM and fsQCA," Technology in Society, Elsevier, vol. 68(C).
    6. Senyo, PK & Osabutey, Ellis L.C., 2020. "Unearthing antecedents to financial inclusion through FinTech innovations," Technovation, Elsevier, vol. 98(C).
    7. Francisco Liébana-Cabanillas & Francisco Muñoz-Leiva & Sebastián Molinillo & Elena Higueras-Castillo, 2022. "Do biometric payment systems work during the COVID-19 pandemic? Insights from the Spanish users' viewpoint," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-25, December.
    8. Pal, Abhipsa & Herath, Tejaswini & De', Rahul & Raghav Rao, H., 2021. "Why do people use mobile payment technologies and why would they continue? An examination and implications from India," Research Policy, Elsevier, vol. 50(6).
    9. Chong Li & Yingqi Li, 2023. "Factors Influencing Public Risk Perception of Emerging Technologies: A Meta-Analysis," Sustainability, MDPI, vol. 15(5), pages 1-37, February.
    10. Al-Saedi, Karrar & Al-Emran, Mostafa & Ramayah, T. & Abusham, Eimad, 2020. "Developing a general extended UTAUT model for M-payment adoption," Technology in Society, Elsevier, vol. 62(C).
    11. Elena Higueras-Castillo & Sebastian Molinillo & J. Andres Coca-Stefaniak & Francisco Liébana-Cabanillas, 2019. "Perceived Value and Customer Adoption of Electric and Hybrid Vehicles," Sustainability, MDPI, vol. 11(18), pages 1-15, September.
    12. Liébana-Cabanillas, Francisco & Japutra, Arnold & Molinillo, Sebastián & Singh, Nidhi & Sinha, Neena, 2020. "Assessment of mobile technology use in the emerging market: Analyzing intention to use m-payment services in India," Telecommunications Policy, Elsevier, vol. 44(9).
    13. Darehshiri, Mahsa & Ghaemi Asl, Mahdi & Babatunde Adekoya, Oluwasegun & Shahzad, Umer, 2022. "Cross-spectral coherence and dynamic connectedness among contactless digital payments and digital communities, enterprise collaboration, and virtual reality firms," Technological Forecasting and Social Change, Elsevier, vol. 181(C).
    14. Shelly Gupta & Sanjay Dhingra, 2022. "Modeling the key factors influencing the adoption of mobile financial services: an interpretive structural modeling approach," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 27(2), pages 96-110, June.
    15. Maryam Kalhoro & Hui Nee Au Yong & Charles Ramendran SPR, 2021. "Understanding the Factors Affecting Pro-Environment Behavior for City Rail Transport Usage: Territories’ Empirical Evidence—Malaysia," Sustainability, MDPI, vol. 13(22), pages 1-15, November.
    16. Oussama Tounekti & Antonio Ruiz-Martínez & Antonio F. Skarmeta-Gómez, 2021. "Users’ Evaluation of a New Web Browser Payment Interface for Facilitating the Use of Multiple Payment Systems," Sustainability, MDPI, vol. 13(9), pages 1-24, April.
    17. Zhong, Junying & Chen, Tiao, 2023. "Antecedents of mobile payment loyalty: An extended perspective of perceived value and information system success model," Journal of Retailing and Consumer Services, Elsevier, vol. 72(C).
    18. Kriswardhana, Willy & Esztergár-Kiss, Domokos, 2023. "Exploring the aspects of MaaS adoption based on college students’ preferences," Transport Policy, Elsevier, vol. 136(C), pages 113-125.
    19. Alraja, Mansour, 2022. "Frontline healthcare providers’ behavioural intention to Internet of Things (IoT)-enabled healthcare applications: A gender-based, cross-generational study," Technological Forecasting and Social Change, Elsevier, vol. 174(C).
    20. Kalinic, Zoran & Marinkovic, Veljko & Molinillo, Sebastián & Liébana-Cabanillas, Francisco, 2019. "A multi-analytical approach to peer-to-peer mobile payment acceptance prediction," Journal of Retailing and Consumer Services, Elsevier, vol. 49(C), pages 143-153.
    21. Francisco Liébana-Cabanillas & Inmaculada García-Maroto & Francisco Muñoz-Leiva & Iviane Ramos-de-Luna, 2020. "Mobile Payment Adoption in the Age of Digital Transformation: The Case of Apple Pay," Sustainability, MDPI, vol. 12(13), pages 1-15, July.
    22. Dongyan Nan & Yerin Kim & Min Hyung Park & Jang Hyun Kim, 2020. "What Motivates Users to Keep Using Social Mobile Payments?," Sustainability, MDPI, vol. 12(17), pages 1-13, August.

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