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Understanding Factors Affecting Innovation Resistance of Mobile Payments in Taiwan: An Integrative Perspective

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  • Kuo Cheng Chung

    (Department of Marketing and Logistic Management, National Penghu University of Science and Technology, Magong 88046, Taiwan)

  • Silvia Wan-Ju Liang

    (Undergraduate Program of Financial Management College, CTBC Business School, Tainan 70963, Taiwan)

Abstract

Mobile payment is a new payment method that provides opportunities for the financial services industry and involves various payment mediums. There are numerous drivers and barriers that influence customers’ willingness to use mobile payment. Previous studies have focused upon the motivations which facilitate its usage, but this study takes the opposite viewpoint and seeks to understand and classify the resistance to mobile payment from the customer perspective. Structural equation modeling (SEM) was used to analyze the data. More specifically, due to the small sample size, the study employed the Partial Least Squares (PLS) technique. A total of 348 valid samples were collected. Self-determination is an antecedent of innovation resistance theory and further affects the intention to use the mobile payment approach. The conclusion is that resistance to new products will reduce as consumers’ psychological needs are fulfilled. Several theoretical and practical implications are discussed for the mobile payment resistance.

Suggested Citation

  • Kuo Cheng Chung & Silvia Wan-Ju Liang, 2020. "Understanding Factors Affecting Innovation Resistance of Mobile Payments in Taiwan: An Integrative Perspective," Mathematics, MDPI, vol. 8(10), pages 1-19, October.
    • Handle: RePEc:gam:jmathe:v:8:y:2020:i:10:p:1841-:d:431174
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    References listed on IDEAS

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    2. Chakraborty, Debarun & Siddiqui, Aaliyah & Siddiqui, Mujahid & Rana, Nripendra P. & Dash, Ganesh, 2022. "Mobile payment apps filling value gaps: Integrating consumption values with initial trust and customer involvement," Journal of Retailing and Consumer Services, Elsevier, vol. 66(C).
    3. Hameed, Irfan & Akram, Umair & Khan, Yamna & Khan, Naveed R. & Hameed, Imran, 2024. "Exploring consumer mobile payment innovations: An investigation into the relationship between coping theory factors, individual motivations, social influence and word of mouth," Journal of Retailing and Consumer Services, Elsevier, vol. 77(C).
    4. Faten Baklouti & Fayçal Boukamcha, 2024. "Consumer resistance to internet banking services: implications for the innovation resistance theory," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(2), pages 364-376, June.

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