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Mobile Payment Adoption in the US: A Cross-industry, Crossplatform Solution

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  • Sunil G. Dewan
  • Lei-da Chen

Abstract

Enabled by a wide array of wireless and mobile technologies, a new form of electronic commerce, “mMobile eCommerce “, is gaining growing attention from both business and academic communities. Proliferation of mobile commerce, especially in the business-to-consumer sectors, require ubiquitously available, globally accepted, easy-to-use, and secure methods of payment. Mobile payment (mPayment) entails making payments using mobile devices including wireless handsets, personal digital assistants, and other radio frequency (RF) and near field communication (NFC) based devices. While mPayment is still in its infancy, its acceptance is expected to increase exponentially in the coming years. Today, increasing acceptance of mPayment methods is witnessed in Europe and Asia, but in the US, the potential of mPayment is still largely unexplored. Many attribute the slow adoption of mPayment methods in the US to lack of unified standards, security and privacy concerns, and slow mCommerce diffusion. This article aims to offer readers a clear understanding of the state of mPayment and explore the factors that will determine the adoption of mPayment by US consumers. It also provides readers with the blueprint of a cross-industry and cross-platform mPayment solution that offers consumers speedy and convenient payment processes for both online and point-of-sale transactions.

Suggested Citation

  • Sunil G. Dewan & Lei-da Chen, 2005. "Mobile Payment Adoption in the US: A Cross-industry, Crossplatform Solution," Journal of Information Privacy and Security, Taylor & Francis Journals, vol. 1(2), pages 4-28, April.
    • Handle: RePEc:taf:uipsxx:v:1:y:2005:i:2:p:4-28
    DOI: 10.1080/15536548.2005.10855765
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    Cited by:

    1. 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.
    2. Dass, Rajanish & Pal Sujoy, 2011. "A Meta Analysis on Adoption of Mobile Financial Services," IIMA Working Papers WP2011-01-05, Indian Institute of Management Ahmedabad, Research and Publication Department.
    3. Kelikume, Ikechukwu & Evans, Olaniyi & Iyoha, Faith, 2020. "Efficient Market Hypothesis in the Presence of Market Imperfections: Evidence from Selected Stock Markets in Africa," MPRA Paper 118200, University Library of Munich, Germany.
    4. Lee, Jiyoon & Ryu, Min Ho & Lee, Daeho, 2019. "A study on the reciprocal relationship between user perception and retailer perception on platform-based mobile payment service," Journal of Retailing and Consumer Services, Elsevier, vol. 48(C), pages 7-15.
    5. Ma, Yechi & Ding, Yibing & Bu, Ziwen & Li, Suyang, 2024. "Political freedom and financial inclusion: Unraveling social trust and political rent-seeking," Journal of Economic Behavior & Organization, Elsevier, vol. 220(C), pages 46-65.
    6. Mombeuil, Claudel & Uhde, Helena, 2021. "Relative convenience, relative advantage, perceived security, perceived privacy, and continuous use intention of China’s WeChat Pay: A mixed-method two-phase design study," Journal of Retailing and Consumer Services, Elsevier, vol. 59(C).
    7. Muhammad Anshari & Munirah Ajeerah Arine & Norzaidah Nurhidayah & Hidayatul Aziyah & Md Hasnol Alwee Salleh, 2021. "Factors influencing individual in adopting eWallet," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 26(1), pages 10-23, March.
    8. Wan Rung Lin & Chun-Yueh Lin & Yu-Heng Ding, 2020. "Factors Affecting the Behavioral Intention to Adopt Mobile Payment: An Empirical Study in Taiwan," Mathematics, MDPI, vol. 8(10), pages 1-19, October.
    9. Dass, Rajanish & Pal, Sujoy, 2011. "Adoption of Mobile Financial Services among Rural Under-Banked," IIMA Working Papers WP2011-02-02, Indian Institute of Management Ahmedabad, Research and Publication Department.

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