Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation

By Lingling Gao, Kerem Aksel Waechter. Information Systems Frontiers, 2015

429 citations recorded by the source corpus.

User adoption of mobile payment (m-payment) is low compared to the adoption of traditional forms of payments. Lack of user trust has been identified as the most significant long-term barrier for the success of mobile finances systems. Motivated by this fact, we proposed and tested an initial trust theoretical model for user adoption of m-payment systems. The model not only theorizes the role of initial trust in m-payment adoption, but also identifies the facilitators and inhibitors for a user’s initial trust formation in m-payment systems. The model is empirically validated via a sample of 851 potential m-payment adopters in Australia. Partial least squares structural equation modelling is used to assess the relationships of the research model. The results indicate that perceived information quality, perceived system quality, and perceived service quality as the initial trust facilitators are positively related to initial trust formation, while perceived uncertainty as the initial trust inhibitor exerts a significant negative effect on initial trust. Perceived asset specificity is found to have insignificant effect. In addition, the results show that initial trust positively affects perceived benefit and perceived convenience, and these three factors together predict usage intention. Perceived convenience of m-payment is also found to have a positive effect on perceived benefit. The findings of this study provide several important implications for m-payment adoption research and practice.

Subfields: Information Systems and Management, Organizational Behavior and Human Resource Management, Sociology and Political Science

View Paper: https://www.semanticscholar.org/paper/fa370a8bd334f7ceec14e20269e0bc2cee174bae

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Citations in the corpus

Sharing of fake news on social media: Application of the honeycomb framework and the third-person effect hypothesis (2020, neutral): “The use of control variables increases the robustness of study results (Gao and Waechter, 2017).”
Why do people use and recommend m-wallets? (2020, neutral): “In this context, most researchers have focused on developed countries, such as the United States (for example, Khalilzadeh et al., 2017; Johnson et al., 2018), Australia (Gao and Waechter, 2015), and Germany (Wirth and Maier, 2017).”
Digital Finance and FinTech: current research and future research directions (2017, positive): “, Gao and Waechter 2015; Lu et al. 2011). As a consequence, vendors and service providers are advised to clearly explain to users how their data is secured and how their privacy is protected and to offer high quality in terms of services, information, and systems (e.g., O’Reilly et al. 2012; Zhou 20”
Unearthing the determinants of Blockchain adoption in supply chain management (2020, background): “…studies on perceived risk as well as consequences e.g. loyalty and repeat purchase intention (Kim and Peterson 2017), signiﬁcant long-term barriers for user adoption (Gao and Waechter 2017) and technical and business factors affecting trust such as ownership of data and transparency (Alharbi 2014).”
Point of adoption and beyond. Initial trust and mobile-payment continuation intention (2020, positive): “Service quality represents personalization, dependability, and speed of the service (Gao and Waechter, 2017).”
Positive and negative word of mouth (WOM) are not necessarily opposites: A reappraisal using the dual factor theory (2020, methodology): “Drawing from the recent m-wallet and mobile payment literature, namely, Gao and Waechter (2017) and Talwar et al. (2020c), we identified perceived information quality, perceived ability, and perceived benefit as the enablers, and perceived cost, perceived risk, and perceived uncertainty as…”