IDEAS home Printed from https://ideas.repec.org/a/taf/titdxx/v26y2020i2p394-420.html
   My bibliography  Save this article

Contextual facilitators and barriers influencing the continued use of mobile payment services in a developing country: insights from adopters in India

Author

Listed:
  • Abhipsa Pal
  • Tejaswini Herath
  • Rahul De’
  • H. Raghav Rao

Abstract

Mobile payment services hold the potential for financial inclusion in developing economies. Low-income countries are characterized by distinctive conditions like price sensitivity, low digital penetration, high risk of failure, and competitive emerging markets, which further influence mobile payment usage. We develop a research model to identify the contextual facilitators (like price benefit, network externalities, trust, and habit) and barriers (like risk, lack of facilitating conditions, and operational constraints) driving mobile payment usage intention. We test the model using data from 298 survey respondents from India who had adopted and were currently using mobile payment services. The factors that facilitate or constrain users’ intention to continue using mobile payments are essential in understanding the technology’s sustenance and its future in enabling financial inclusion.

Suggested Citation

  • Abhipsa Pal & Tejaswini Herath & Rahul De’ & H. Raghav Rao, 2020. "Contextual facilitators and barriers influencing the continued use of mobile payment services in a developing country: insights from adopters in India," Information Technology for Development, Taylor & Francis Journals, vol. 26(2), pages 394-420, April.
    • Handle: RePEc:taf:titdxx:v:26:y:2020:i:2:p:394-420
    DOI: 10.1080/02681102.2019.1701969
    as

    Download full text from publisher

    File URL: http://hdl.handle.net/10.1080/02681102.2019.1701969
    Download Restriction: Access to full text is restricted to subscribers.
    File URL: https://libkey.io/10.1080/02681102.2019.1701969?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. Kamal Abubker Abrahim Sleiman & Wang Jin & Lan Juanli & Hong Zhen Lei & Jingyi Cheng & Yuanxin Ouyang & Wenge Rong, 2022. "The Factors of Continuance Intention to Use Mobile Payments in Sudan," SAGE Open, , vol. 12(3), pages 21582440221, August.
    2. Ahmad Ghandour & Hussein Al-Srehan & Alhanof Almutairi, 2023. "Analysis of Demand and Supply for Mobile Payments in the UAE during COVID-19," JRFM, MDPI, vol. 16(2), pages 1-11, January.
    3. 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.
    4. Zhang, Qi & Ariffin, Shaizatulaqma Kamalul & Richardson, Christopher & Wang, Yuling, 2023. "Influencing factors of customer loyalty in mobile payment: A consumption value perspective and the role of alternative attractiveness," Journal of Retailing and Consumer Services, Elsevier, vol. 73(C).
    5. Sanjib Biswas & Dragan Pamucar, 2023. "A modified EDAS model for comparison of mobile wallet service providers in India," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 9(1), pages 1-31, December.
    6. Arpan Kumar Kar, 2021. "What Affects Usage Satisfaction in Mobile Payments? Modelling User Generated Content to Develop the “Digital Service Usage Satisfaction Model”," Information Systems Frontiers, Springer, vol. 23(5), pages 1341-1361, September.
    7. Sahid Susilo Nugroho & Widya Paramita, 2024. "Trust-building mechanism for promoting mobile payments' continued use by small businesses in a developing country: tackling the perceived risk issue," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 936-945, September.
    8. Simplice A. Asongu & Nicholas M. Odhiambo, 2023. "Bank accounts, bank concentration and mobile money innovations," Working Papers 23/019, European Xtramile Centre of African Studies (EXCAS).
    9. Nurul-Ain Abdul-Halim & Ali Vafaei-Zadeh & Haniruzila Hanifah & Ai Ping Teoh & Khaled Nawaser, 2022. "Understanding the determinants of e-wallet continuance usage intention in Malaysia," Quality & Quantity: International Journal of Methodology, Springer, vol. 56(5), pages 3413-3439, October.
    10. Junhai Wang, 2021. "Impact of mobile payment on e-commerce operations in different business scenarios under cloud computing environment," International Journal of System Assurance Engineering and Management, Springer;The Society for Reliability, Engineering Quality and Operations Management (SREQOM),India, and Division of Operation and Maintenance, Lulea University of Technology, Sweden, vol. 12(4), pages 776-789, August.
    11. 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.
    12. Huosong Xia & Yangmei Gao & Justin Zuopeng Zhang, 2023. "Understanding the adoption context of China’s digital currency electronic payment," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 9(1), pages 1-27, December.
    13. 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).
    14. 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).
    15. Sutticherchart Juthatip & Rakthin Sirisuhk, 2023. "Determinants of digital wallet adoption and super app: A review and research model," Management & Marketing, Sciendo, vol. 18(3), pages 270-289, September.
    16. Arpan Kumar Kar, 0. "What Affects Usage Satisfaction in Mobile Payments? Modelling User Generated Content to Develop the “Digital Service Usage Satisfaction Model”," Information Systems Frontiers, Springer, vol. 0, pages 1-21.
    17. Favourate Y. Mpofu, 2024. "Industry 4.0 in Finance, Digital Financial Services and Digital Financial Inclusion in Developing Countries: Opportunities, Challenges, and Possible Policy Responses," International Journal of Economics and Financial Issues, Econjournals, vol. 14(2), pages 120-135, March.
    18. Tayseer Alkdour & Mohammed Amin Almaiah & Rima Shishakly & Abdalwali Lutfi & Mahmoud Alrawad, 2023. "Exploring the Success Factors of Smart City Adoption via Structural Equation Modeling," Sustainability, MDPI, vol. 15(22), pages 1-19, November.
    19. Abhipsa Pal & Tejaswini Herath & Rahul De’ & H. Raghav Rao, 2021. "Is the Convenience Worth the Risk? An Investigation of Mobile Payment Usage," Information Systems Frontiers, Springer, vol. 23(4), pages 941-961, August.
    20. Sinha, Neena & Paul, Justin & Singh, Nidhi, 2024. "Mobile payments for bottom of the pyramid: Towards a positive social change," Technological Forecasting and Social Change, Elsevier, vol. 202(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:titdxx:v:26:y:2020:i:2:p:394-420. 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/titd20 .

    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.