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The Determinants of Mobile Payment Adoption: An Intercultural Study

In: The Book of Payments

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  • Uwe Hack

    (Furtwangen University)

Abstract

This chapter presents a cross-cultural study of factors driving the adoption of mobile payment systems. Mobile payment systems use the mobile phone or other mobile devices to make payments not only for transactions performed on the Internet but also in local stores. We find that the technical skills and requirements for mobile payments are widely available and the intention to adopt mobile payment services is high if the providers include features that are perceived to be useful for customers. The most trusted partners for mobile services are the traditional banks and credit card organizations. Cultural background also explains differences in people’s intention to use mobile payments. Our Chinese respondents value the benefits of mobile payment systems higher than the European subsample but do not differ from those in their assessment of risk and trust.

Suggested Citation

  • Uwe Hack, 2016. "The Determinants of Mobile Payment Adoption: An Intercultural Study," Palgrave Macmillan Books, in: Bernardo Batiz-Lazo & Leonidas Efthymiou (ed.), The Book of Payments, chapter 24, pages 283-295, Palgrave Macmillan.
    • Handle: RePEc:pal:palchp:978-1-137-60231-2_24
    DOI: 10.1057/978-1-137-60231-2_24
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