IDEAS home Printed from https://ideas.repec.org/a/taf/tbitxx/v33y2014i4p318-334.html
   My bibliography  Save this article

Realising M-Payments: modelling consumers' willingness to M-pay using Smart Phones

Author

Listed:
  • Aidan Duane
  • Philip O'Reilly
  • Pavel Andreev

Abstract

It is predicted that significant and ongoing investment in M-Commerce platforms and application development by commercial entities will fundamentally change consumers' shopping and web browsing behaviours. However, the evolving behaviour of Smart Phone users is somewhat tempered by concerns over M-Payments. If Smart Phones are to reach their full M-Commerce potential, the ability of consumers to transact and pay for products/services through these devices in an easy, safe and reliable manner must be addressed. In response, this paper contributes a theoretical model and empirically tests the model to explore Irish consumers' perceptions of using Smart Phones to make M-Payments for products/services. The findings present conclusive evidence that trust is the most powerful factor influencing consumers' willingness to use Smart Phones to make M-Payments. While perceived usefulness and perceived ease of use influence the payment decision, their impact is much lower. Mobile self-efficacy and personal innovativeness have almost no direct impact. The paper concludes that irrespective of individuals' high levels of personal innovativeness or mobile self-efficacy and irrespective of whether Smart Mobile Media Services are perceived as useful and easy to use, consumers will not make M-Payments, until they are convinced that Smart Phone M-Payment systems are safe and reliable.

Suggested Citation

  • Aidan Duane & Philip O'Reilly & Pavel Andreev, 2014. "Realising M-Payments: modelling consumers' willingness to M-pay using Smart Phones," Behaviour and Information Technology, Taylor & Francis Journals, vol. 33(4), pages 318-334, April.
    • Handle: RePEc:taf:tbitxx:v:33:y:2014:i:4:p:318-334
    DOI: 10.1080/0144929X.2012.745608
    as

    Download full text from publisher

    File URL: http://hdl.handle.net/10.1080/0144929X.2012.745608
    Download Restriction: Access to full text is restricted to subscribers.
    File URL: https://libkey.io/10.1080/0144929X.2012.745608?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Kanokkarn Snae Namahoot & Ekkarat Boonchieng, 2023. "UTAUT Determinants of Cashless Payment System Adoption in Thailand: A Hybrid SEM-Neural Network Approach," SAGE Open, , vol. 13(4), pages 21582440231, December.
    2. Imdadullah Hidayat-ur-Rehman & Saeed Alzahrani & Mohd Ziaur Rehman & Fahim Akhter, 2022. "Determining the factors of m-wallets adoption. A twofold SEM-ANN approach," PLOS ONE, Public Library of Science, vol. 17(1), pages 1-24, January.
    3. Jaiswal, Deepak & Mohan, Ashutosh & Deshmukh, Arun Kumar, 2023. "Cash rich to cashless market: Segmentation and profiling of Fintech-led-Mobile payment users," Technological Forecasting and Social Change, Elsevier, vol. 193(C).

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:taf:tbitxx:v:33:y:2014:i:4:p:318-334. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Chris Longhurst (email available below). General contact details of provider: http://www.tandfonline.com/tbit .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.