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A Comparative Study of Current and Potential Users of Mobile Payment Services

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  • Chanchai Phonthanukitithaworn
  • Carmine Sellitto
  • Michelle W. L. Fong

Abstract

Previous studies of mobile payment (m-payment) services have primarily focused on a single group of adopters. This study identifies the factors that influence an individual’s intention to use m-payment services and compares groups of current users (adopters) with potential users (non-adopters). A research model that reflects the behavioral intention to use m-payment services is developed and empirically tested using structural equation modeling on a data set consisting of 529 potential users and 256 current users of m-payment services in Thailand. The results show that the factors that influence current users’ intentions to use m-payment services are compatibility, subjective norms, perceived trust, and perceived cost. Subjective norms, compatibility, ease of use, and perceived risk influenced potential users’ intentions to use m-payment. Subjective norms and perceived risk had a stronger influence on potential users, while perceived cost had a stronger influence on current users, in terms of their intentions to use m-payment services. Discussions, limitations, and recommendations for future research are addressed.

Suggested Citation

  • Chanchai Phonthanukitithaworn & Carmine Sellitto & Michelle W. L. Fong, 2016. "A Comparative Study of Current and Potential Users of Mobile Payment Services," SAGE Open, , vol. 6(4), pages 21582440166, November.
    • Handle: RePEc:sae:sagope:v:6:y:2016:i:4:p:2158244016675397
    DOI: 10.1177/2158244016675397
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    5. Sabakun Naher Shetu & Md. Muzahidul Islam & Sadia Islam Promi, 2022. "An Empirical Investigation of the Continued Usage Intention of Digital Wallets: The Moderating Role of Perceived Technological Innovativeness," Future Business Journal, Springer, vol. 8(1), pages 1-17, December.
    6. Balakrishnan, Vimala & Shuib, Nor Liyana Mohd, 2021. "Drivers and inhibitors for digital payment adoption using the Cashless Society Readiness-Adoption model in Malaysia," Technology in Society, Elsevier, vol. 65(C).
    7. Krishna Moorthy & Loh Chun T'ing & Kwong Chea Yee & Ang Wen Huey & Lee Joe In & Poon Chyi Feng & Tan Jia Yi, 2020. "What drives the adoption of mobile payment? A Malaysian perspective," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 25(3), pages 349-364, July.
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    9. 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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