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A global approach to the analysis of user behavior in mobile payment systems in the new electronic environment

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  • Francisco Liébana-Cabanillas

    (University of Granada)

  • Francisco Muñoz-Leiva

    (University of Granada)

  • J. Sánchez-Fernández

    (University of Granada)

Abstract

Mobile devices and social media have led to a profound revolution of modern society, obliging many companies to reorient their sales systems towards more successful commercial formats (mobile commerce and social commerce). The mobile payment, for instance, as an emerging and supplementary service to these new commercial formats, is now undergoing the adoption process. Mobile payment has long been discussed, but it has not yet reached the usage levels expected by the different mass market players (financial institutions, telephone operators, etc.) in Western societies. The purpose of this paper is to analyze users’ acceptance of mobile payment systems on social networks. In order to explain acceptance, we have integrated trust and perceived risk into the traditional TAM model. To complete this study, we have established the decisive factors of this payment system by analyzing user’s gender, age and experience level. The study was conducted through an online survey among a national panel composed by 2.012 social network users. The results of this research support previous studies and provide alternatives for companies to consolidate this new business model by means of the new technical developments.

Suggested Citation

  • Francisco Liébana-Cabanillas & Francisco Muñoz-Leiva & J. Sánchez-Fernández, 2018. "A global approach to the analysis of user behavior in mobile payment systems in the new electronic environment," Service Business, Springer;Pan-Pacific Business Association, vol. 12(1), pages 25-64, March.
    • Handle: RePEc:spr:svcbiz:v:12:y:2018:i:1:d:10.1007_s11628-017-0336-7
    DOI: 10.1007/s11628-017-0336-7
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    6. Yoonyoung Hwang & Sangwook Park & Nina Shin, 2021. "Sustainable Development of a Mobile Payment Security Environment Using Fintech Solutions," Sustainability, MDPI, vol. 13(15), pages 1-15, July.
    7. Wang, Yi-Ran & Ma, Chao-Qun & Ren, Yi-Shuai, 2022. "A model for CBDC audits based on blockchain technology: Learning from the DCEP," Research in International Business and Finance, Elsevier, vol. 63(C).
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    9. Frank Bivar Franque & Tiago Oliveira & Carlos Tam, 2023. "Continuance Intention of Mobile Payment: TTF Model with Trust in an African Context," Information Systems Frontiers, Springer, vol. 25(2), pages 775-793, April.

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