Understanding Continuance Intention of Mobile Payment Services: An Empirical Study

ABSTRACT Research on continued use of mobile payment services is scarce. To address part of this research gap, we examine a research model, derived from IT continuance, risk-trust, and affect-cognition literature. The results show that user satisfaction with mobile payment services has a substantive positive impact on continuance intention with such services; the disconfirmation of preadoption perceived usefulness about mobile payment services positively impacts user satisfaction and postadoption perceived usefulness; the disconfirmation of preadoption perceived risk about mobile payment services negatively impacts user satisfaction and positively impacts postadoption perceived risk; postadoption perceived usefulness is positively associated with continuance intention; user satisfaction positively impacts both institution-based trust in mobile payment technologies and trust beliefs in service providers; institution-based trust shows a positive impact on postadoption perceived usefulness and a negative impact on postadoption perceived risk.

[1]  Fred D. Davis.  Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology , 1989, MIS Q..

[2]  Klaus Krippendorff,et al.  Content Analysis: An Introduction to Its Methodology , 1980 .

[3]  Pinar Ozcan,et al.  The market that never was: Turf wars and failed alliances in mobile payments , 2015 .

[4]  Lukas Furst,et al.  Multivariate Data Analysis With Readings , 2016 .

[5]  Atreyi Kankanhalli,et al.  Contributing Knowledge to Electronic Knowledge Repositories: An Empirical Investigation , 2005, MIS Q..

[6]  Anol Bhattacherjee,et al.  Understanding Changes in Belief and Attitude Toward Information Technology Usage: A Theoretical Model and Longitudinal Test , 2004, MIS Q..

[7]  Shuiqing Yang,et al.  Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective , 2011, Inf. Manag..

[8]  Detmar W. Straub,et al.  Trust and TAM in Online Shopping: An Integrated Model , 2003, MIS Q..

[9]  Sally McKechnie,et al.  Trust in financial services: Impact of institutional trust and dispositional trust on trusting belief , 2015, Journal of Financial Services Marketing.

[10]  Bo Wang,et al.  Retailer Adoption of Mobile Payment: A Qualitative Study , 2013, J. Electron. Commer. Organ..

[11]  Xin Luo,et al.  Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services , 2010, Decis. Support Syst..

[12]  Detmar W. Straub,et al.  An Update and Extension to SEM Guidelines for Admnistrative and Social Science Research , 2011 .

[13]  R. Bagozzi,et al.  Representing and testing organizational theories: A holistic construal. , 1982 .

[14]  Anol Bhattacherjee,et al.  Understanding Information Systems Continuance: An Expectation-Confirmation Model , 2001, MIS Q..

[15]  Albert H. Segars,et al.  Assessing the unidimensionality of measurement : a paradigm and illustration within the context of information systems research , 1997 .

[16]  Chin-Yuan Ho,et al.  Understanding Mobile Apps Continuance Usage Behavior and Habit: An Expectance-Confirmation Theory , 2013, PACIS.

[17]  Alain Yee-Loong Chong,et al.  Understanding Mobile Commerce Continuance Intentions: An Empirical Analysis of Chinese Consumers , 2013, J. Comput. Inf. Syst..

[18]  Marcia J. Simmering,et al.  A Tale of Three Perspectives , 2009 .

[19]  M. Ferguson,et al.  Beyond behaviorism: on the automaticity of higher mental processes. , 2000, Psychological bulletin.

[20]  Rathindra Sarathy,et al.  The role of affect and cognition on online consumers' decision to disclose personal information to unfamiliar online vendors , 2011, Decis. Support Syst..

[21]  Hsien-Cheng Lin,et al.  An investigation of the effects of cultural differences on physicians' perceptions of information technology acceptance as they relate to knowledge management systems , 2014, Comput. Hum. Behav..

[22]  Joseph P. Forgas,et al.  The Affect Infusion Model (AIM): An integrative theory of mood effects on cognition and judgments. , 2001 .

[23]  Weng Marc Lim,et al.  Consumer Acceptance and Continuance of Online Group Buying , 2014, J. Comput. Inf. Syst..

[24]  Helvi Kyngäs,et al.  The qualitative content analysis process. , 2008, Journal of advanced nursing.

[25]  Felix B. Tan,et al.  Antecedents of Consumer Trust in Mobile Payment Adoption , 2015, J. Comput. Inf. Syst..

[26]  Charles J. Kacmar,et al.  The impact of initial consumer trust on intentions to transact with a web site: a trust building model , 2002, J. Strateg. Inf. Syst..

[27]  Gi Mun Kim,et al.  The causal relationship between risk and trust in the online marketplace: A bidirectional perspective , 2016, Comput. Hum. Behav..

[28]  Nicholas A. Valentino,et al.  Is a Worried Citizen a Good Citizen? Emotions, Political Information Seeking, and Learning via the Internet , 2008 .

[29]  N. Schwarz.  Feelings-as-information theory. , 2012 .

[30]  Juan Sánchez-Fernández,et al.  The moderating effect of experience in the adoption of mobile payment tools in Virtual Social Networks: The m-Payment Acceptance Model in Virtual Social Networks (MPAM-VSN) , 2014, Int. J. Inf. Manag..

[31]  Nathan S. Hartman,et al.  Method Variance and Marker Variables: A Review and Comprehensive CFA Marker Technique , 2010 .

[32]  James C. Anderson,et al.  STRUCTURAL EQUATION MODELING IN PRACTICE: A REVIEW AND RECOMMENDED TWO-STEP APPROACH , 1988 .

[33]  J. H. Davis,et al.  An Integrative Model Of Organizational Trust , 1995 .

[34]  M. Lindell,et al.  Accounting for common method variance in cross-sectional research designs. , 2001, The Journal of applied psychology.

[35]  Paul A. Pavlou,et al.  Predicting E-Services Adoption: A Perceived Risk Facets Perspective , 2002, Int. J. Hum. Comput. Stud..

[36]  Tao Zhou,et al.  An empirical examination of continuance intention of mobile payment services , 2013, Decis. Support Syst..

[37]  Jian Mou,et al.  A longitudinal Study of Trust and Perceived Usefulness in Consumer Acceptance of an eService: the Case of Online Health Services , 2014, PACIS.

[38]  Anol Bhattacherjee,et al.  A unified model of IT continuance: three complementary perspectives and crossover effects , 2015, Eur. J. Inf. Syst..

[39]  Darren Flood,et al.  Trends in Mobile Payments in Developing and Advanced Economies , 2013 .

[40]  J. P. Peter,et al.  A Comparative Analysis of Three Consumer Decision Strategies , 1975 .

[41]  Straub,et al.  Editor's Comments: An Update and Extension to SEM Guidelines for Administrative and Social Science Research , 2011 .

[42]  Tiago Oliveira,et al.  Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application , 2014, Int. J. Inf. Manag..

[43]  Mala Srivastava,et al.  Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India , 2014, Internet Res..

[44]  I. Ajzen,et al.  The Influence of Attitudes on Behavior , 2005 .

[45]  Norman L. Chervany,et al.  What Trust Means in E-Commerce Customer Relationships: An Interdisciplinary Conceptual Typology , 2001, Int. J. Electron. Commer..

[46]  Detmar W. Straub,et al.  Structural Equation Modeling and Regression: Guidelines for Research Practice , 2000, Commun. Assoc. Inf. Syst..

[47]  Scott B. MacKenzie,et al.  Common method biases in behavioral research: a critical review of the literature and recommended remedies. , 2003, The Journal of applied psychology.

[48]  Sid L. Huff,et al.  The Role of Continuous Trust in Information Systems Continuance , 2012, J. Comput. Inf. Syst..

[49]  GadarianShana Kushner.  The Politics of Threat: How Terrorism News Shapes Foreign Policy Attitudes , 2015 .

[50]  C. Fornell,et al.  Evaluating structural equation models with unobservable variables and measurement error. , 1981 .

[51]  Erik Rolland,et al.  Understanding Continuance Use in Social Networking Services , 2015, J. Comput. Inf. Syst..

[52]  D. F. Blankertz,et al.  Risk taking and information handling in consumer behavior , 1969 .