NFC mobile credit card: The next frontier of mobile payment?

An empirical investigation on actual usage of educational app: Based on quality dimensions and mobile self-efficacy

The intention of this research is to analyze the actual use of educational app by Chinese students for learning purpose. Based on DeLone & McLean (D&M) this study proposes and tests a research model which analyzes the actual use of educational apps using data collected from the 357 Chinese students. Structural equation modeling (SEM) was applied to examine the hypothesis. Findings specify that information quality, system quality, service quality, mobile self-efficacy, and personal innovativeness is considerably associated to intentions to use educational app which eventually influences actual usage of educational apps. Additionally, trust in educational apps strengthens the connection between intentions to use educational apps and actual use of educational apps by students for learning purposes. However, the perceived risk indicated an insignificant association between intention to use educational apps and actual use of educational apps. This study contributes to DeLone & McLean (D&M) model by examing the moderating role of perceived risk, trust in an educational app.

Predicting the intention and adoption of wearable payment devices using hybrid SEM-neural network analysis

This study aims to examine the mediating effect of the intention to use wearable payment devices (WPD) between perceived ease of use (PE), perceived usefulness (PU), social influence (SI), perceived trust (TR), and lifestyle compatibility (CM) on the adoption of WPD. Examination was made on the moderating effect of age and gender to improve the understanding of the adoption of WPD as a new payment system. Empirical data was collected through an online survey from 1094 respondents in Malaysia. Furthermore, this study employed dual-stage data analysis through partial least squares structural equation modelling (PLS-SEM) to test the causal and moderating effects, including artificial neural network (ANN) to examine the predictive power of the selected model. As a result, it was found that PE, PU, TR, and CM had a significant positive influence on the intention to use WPD. Furthermore, facilitating conditions and the intention to use WPD exhibited strong positive impacts on the adoption of WPD among Malaysian youth. The intention to use WPD positively and significantly mediated all predictors of adoption of WPD. Following that, ANN analysis confirmed high prediction accuracy of the data fitness. Overall, the findings for ANN highlighted the importance of PE, CM, and TR on the intention to adopt WPD and the impact of facilitating conditions on the adoption of WPD among Malaysian youth. Theoretically, the study extended UTAUT with two additional determinants (e.g., perceived trust and lifestyle compatibility), which were found to have significant influences on the intention to use WPD. The study results would be able to help payment service providers and the smart wearable device industry offer an innovative spectrum of products and present effective marketing tactics to encourage the prospective consumers of Wearable Payment Devices in Malaysia.

Understanding the Determinants of Customer Intention to Use Mobile Payment

Previous studies on the intention to use mobile payment were mainly conducted using traditional technology acceptance models, which focus on positive factors and ignore negative factors influencing the intention to use mobile payment in both developed and developing countries. This study is conducted in a newly emerging country, Vietnam – a trusted destination for multinational companies to do business and reposition their global supply chains. With the integration of positive and negative factors into an extended research model to examine their influence on the intention to use mobile payment, the results show that perceived privacy and perceived security contribute to overall perceived risk. Moreover, perceived risk and perceived compatibility are two determinants of intention to use mobile payment. Theoretical and managerial implications are drawn and directions for future research are outlined.

Evaluating the sustainable use of mobile payment contactless technologies within and beyond the COVID-19 pandemic using a hybrid SEM-ANN approach

Purpose

While there is an abundant amount of literature studies on mobile payment adoption, there is a scarce of knowledge concerning the sustainable use of mobile payment contactless technologies. As those technologies are mainly concerned with security and users' trust, the question of how security factors and trust can influence the sustainable use of those technologies within and beyond the COVID-19 pandemic is still unanswered. This research thus develops a theoretical model based on integrating the protection motivation theory (PMT) and the expectation-confirmation model (ECM), extended with perceived trust (PT) to explore the sustainable use of mobile payment contactless technologies.

Design/methodology/approach

The developed model is evaluated based on data collected through a web-based survey from 523 users who used contactless payment technologies. Unlike the existing literature, the collected data were analyzed using a hybrid structural equation modeling-artificial neural network (SEM-ANN) technique.

Findings

The data analysis results reinforced all the proposed relationships in the developed model. The sensitivity analysis results showed that PT has the largest impact on the sustainable use of mobile payment contactless technologies with 97.2% normalized importance, followed by self-efficacy (SE) (77%), satisfaction (72.1%), perceived vulnerability (PV) (48.9%), perceived usefulness (PU) (48.2%), perceived severity (PS) (40.7%), response efficacy (RE) (28.7%) and response costs (RCs) (24.1%).

Originality/value

The originality of this research lies behind the development of an integrated model based on PMT and ECM to understand the sustainable use of mobile payment contactless technologies. The study provides several managerial implications for decision-makers, policy-makers and service providers to ensure the sustainability of those contactless technologies within and beyond the COVID-19 pandemic.

A framework for measuring the adoption factors in digital mobile payments in the COVID-19 era

Purpose

This study aims to identify the acceptance factors in the UAE for the digital mobile payment market, introduces a new hierarchical framework based on the continuation intention factors and prioritises the importance of the acceptance criteria and sub-criteria.

Design/methodology/approach

The measurement of acceptance factors in payment systems is a complex and unstructured topic involving many criteria and sub-criteria, which requires breaking the problem down into several components organised in a hierarchical multi-level form. The analytic hierarchy process (AHP) methodology manages the complexity of multi-criteria decision-making processes based on a new set of criteria connected to the adoption and continuance intention factors.

Findings

The AHP framework developed a ranking of 18 sustainability sub-factors based on evaluations by experienced payment professionals.

Research limitations/implications

The future directions of the research would be to investigate the impact of dynamic capabilities on the resilience of retail service networks, especially during COVID-19, where supply and demand are highly indeterminate.

Practical implications

Through successive stages of data collection, measurement analysis and refinement, the contribution of this research is a reliable and valid framework that can be used to conceptualise and prioritise sustainability strategies in payment management.

Originality/value

Given the lowest mobile payment products penetration rates of the UAE and the scarcity of literature on this topic, this study aims to contribute to the knowledge by including UTAUT, the IS success model and the impact of COVID-19 as adoption and continuance intention factor in the digital mobile payment case in the UAE.

Predicting the Intention and Adoption of Near Field Communication Mobile Payment

With the increasing use of mobile devices and new technologies, electronic payments, such as near field communication (NFC) mobile payments, are gaining traction and gradually replacing the currency-based cash payment methods. Despite multiple initiatives by various parties to encourage mobile payments, adoption rates in developing countries have remained low. The purpose of this research is to explore the prime determinants of NFC mobile-payment adoption intention and to develop a model of mobile payment adoption that includes perceived risk (PR) as one of the major elements by extending the UTAUT2 theory components. An online survey was used to acquire data from 370 NFC mobile payments users for the current study. To validate the components and their correlations, structural equation modelling (SEM) was implemented. According to the findings, performance expectancy (PE), hedonic motivation (HM), social influence (SI), and facilitating conditions (FC) have substantial impacts on the consumers' intentions to adopt NFC mobile payments (INFC). Effort expectancy (EE) and PR were reported to have no considerable effects on the adoption intention. In addition, INFC is revealed to be a major mediator between the associations of the actual adoption of NFC mobile payment (ANFC) with PE, HM, and SI. The findings of the study would assist providers and marketers in better understanding of the consumers' behavior, designing effective marketing strategies to enhance the consumers' positive intentions, and achieving the mass adoption of NFC mobile payments in different environmental contexts.

Platformance-Based Cross-Border Import Retail E-Commerce Service Quality Evaluation Using an Artificial Neural Network Analysis

The transaction scale of cross-border import e-commerce has grown rapidly around the world. Platform-style cross-border e-commerce does not control the quality, source and transaction process of goods strictly and comprehensively. In terms of customer service quality, the seller's customer service often ignores the customer's problems, and some customer service solutions cannot solve the customer's problems. Serving customers through the network has changed the traditional offline service form without distance, and the service process has a time and space distance. This paper constructs an evaluation index system based on the development of cross-border e-commerce. Through questionnaires, relevant data were obtained and analyzed. Analyze the results based on the collected data on the factors that affect the quality of cross-border import e-commerce services. Responsiveness is the most important factor found by artificial neural networks. The descending order of importance of other factors is fulfillment, diversity, privacy, reliability, compensation, and ease of use.

Antecedents to the Adoption of Mobile Payment in China and Italy: an Integration of UTAUT2 and Innovation Resistance Theory

This research aims to investigate the adoption gap in mobile payment systems between Italy and China, focusing on users' intention to adopt mobile payment. The theoretical framing considers both drivers and barriers when combines the unified theory of acceptance and use of technology 2 (UTAUT2) with innovation resistance theory (IRT). To empirically verify the proposed model, this study gathers primary data through a web-based, self-administered survey. To analyze the data, we use structural equation modeling, and to test for significant differences between the two groups we run multi-group analysis. The respondents in Italy and China present different behaviors. Social influence plays a significant role in cultures with high uncertainty avoidance, such as Italy. The tradition barrier is the only significant barrier to the adoption of mobile payment.

The Impact of Self-Efficacy on Feelings and Task Performance of Academic and Teaching Staff in Bahrain during COVID-19: Analysis by SEM and ANN

COVID-19 has changed the way we live, communicate and work, as well as altering our feelings. The higher education sector, alongside other sectors, has been severely affected by the pandemic and its serious repercussions. Academic and teaching staff have had to work from home and convert to online teaching, a change which has been met with both negative and positive feelings. The need for new competencies and upskilling, among other challenges, has been encountered. Therefore, the objectives of this study are aligned with exploring the impact of three constructs—self-efficacy, positive feelings and negative feelings—on the performance of academic and teaching staff at public and private universities in Bahrain during the COVID-19 lockdown. Additionally, the impact of self-efficacy on these feelings was explored. A cross-sectional quantitative survey instrument was developed, validated and distributed using 83 valid responses. A two-way approach was followed to evaluate the model using the partial least squares (PLS-SEM) and multi-layer perceptron-artificial neural network (MLP-ANN) techniques. Tests support the validity, reliability and consistency of the measurement scale, as well as the validity of the postulated model. The results revealed a statistically significant relationship between the three constructs and performance. Interestingly, attention is drawn to the impact of self-efficacy on increasing positive feelings and task performance. The impact of self-efficacy on reducing negative feelings is also evident. Analyses of PLS-SEM augmented by MLP-ANN enhanced our understanding of the relationships and gave more support to the use of dual approach analyses in future research. This research adds to COVID-19 global research and the findings increase the knowledge within the literature. The implications of the study’s outcomes should be given attention from higher education authorities and management to raise staff morale and offer training to help sustain performance and mental wellbeing. Lasty, limitations and future directions are discussed.

Factors affecting adoption of digital payments by semi-rural Indian women: extension of UTAUT-2 with self-determination theory and perceived credibility

Purpose

The aim of this research is to investigate the factors influencing the adoption of digital payments by the semi-rural women in India.

Design/methodology/approach

The study extended the factors of unified theory of acceptance and use of technology UTAUT-2, with perceived credibility and self-determination theory to understand the use behaviour of the rural Indian women. The study checked the mediating role of some constructs besides testing the direct relationship. The study was conducted in the rural parts of the adjoining areas of Delhi, where the women from different states, education and financial background live. The research model was empirically tested on 568 respondents using structural equation modelling (SEM) technique.

Findings

The research model was able to explain 72.6% variance in the user behaviour variable. Effort expectancy, habit, facilitating conditions as well as perceived competence emerged out to be significant determinants of use behaviour. Besides these direct relationships, two constructs, habit as well as facilitating conditions were found to partially mediate the relationship between behavioural intention and behaviour.

Originality/value

This study provides some very critical clues for the companies providing digital payment services, by highlighting the significant factors explaining the technology adoption by semi-rural women. The companies must devise suitable marketing strategies to inculcate trust in mind of perspective customers towards their companies as well as the service provided by them. The role of simple digital platform, that is easy to learn and use, is also an important element in determining the technology adoption.

An improved NFC device authentication protocol

Aimed at the security authentication problem between Near Field Communication (NFC) devices, this paper uses the technology of asymmetric encryption algorithm, symmetric encryption algorithm, hash function, timestamp and survival period to improve the confidentiality, performance and security of the protocol. The symmetric encryption algorithm encrypts the transmission content, while the asymmetric encryption algorithm encrypts the shared key. The whole authentication process is secure, and the key distribution is secure. The improved NFC device authentication protocol can effectively resist the brute force attack, man-in-the-middle attack and replay attack in the authentication process, it can reduce the number of message transmission in the authentication process, improve the transmission efficiency, enhance the confidentiality, integrity, non-repudiation and improve the security of NFC device authentication.

Post-purchase behaviour from customer perceived value of mobile payment services

Purpose

Mobile payment (MP), near field communication-based particularly, has become one of the future payment tools. This study aims to indicate the difference between consumer users and non-users by examining the effect of MP users’ perceived value on their satisfaction and on MP non-users behavioural intention. Once those MP users’ have achieved satisfaction, the study then investig ates how consumers bring about the need recognition and are more desirable to buy more products.

Design/methodology/approach

This study develops a research model, which examines the effect of consumer perceived value, including utilitarian value, technicality and perceived risk, on MP users’ satisfaction and MP non-users behavioural intention. In methodology, it adopts structural equation modelling to verify the proposed research model for empirical studies. The data set consists of 161 MP users and 277 non-users of consumers.

Findings

The findings show that consumers, both MP users and non-users included, are encouraged to improve utilitarian value if they are favourable to adopt MP services. Relatively, female users emphasize more on perceived risk, whilst male users emphasize more on technicality. Moreover, MP non-users and female users still have much concern about perceived risk such that they are inclined to avoid adopting MP services.

Originality/value

Past research has examined the adoption of MP services from the perspective of consumers with a focus on the perceived value, satisfaction and behavioural intention. However, only limited research examined the post-purchase evaluation of MP users. The study fills this gap by clarifying the difference between consumer users and non-users in the effect of MP users’ perceived value on their satisfaction and on their non-users behavioural intention.

QR code and mobile payment: The disruptive forces in retail

The emergence of mobile payment (m-payment) resulted in the disruption of many sectors in the business sphere, particularly the retail industry. However, the acceptance of m-payment still has substantial room for improvement. Therefore, this study purports to ascertain the critical antecedents that impact the m-payment adoption intention, in particular the type of m-payment that utilizes the Quick Response (QR) code technology, through an extended Mobile Technology Acceptance Model. On top of offering several theoretical implications, numerous practical implications are also provided for stakeholders in the retail sector.

The disruptive mobile wallet in the hospitality industry: An extended mobile technology acceptance model

Given that the mobile wallet has become a disruptive innovation, especially in the Malaysian hospitality industry, this study investigates the adoption of mobile wallet in the hospitality industry among consumers. Different from the extant literature, this study extends the newly proposed mobile technology acceptance model with self-efficacy theory, critical mass theory, and flow theory to explain the behavioural intention to adopt. A self-administered questionnaire was utilised to collect data from mobile wallet users who have used a mobile wallet while dining out in restaurants and cafes. Other than technology self-efficacy and perceived critical mass, mobile usefulness, mobile ease of use, mobile self-efficacy, and perceived enjoyment were discovered to have a positive and significant association with the behavioural intention to adopt mobile wallet in the hospitality industry. The findings also suggested there were interrelationships between the constructs employed. Overall, the extended model was able to explain 61% of the variance in behavioural intention to adopt mobile wallet.

What Motivates Users to Keep Using Social Mobile Payments?

Due to the rapid diffusion of social mobile payment (SMP), the current research explores the post-adoption behavior of SMP users. It proposes a research model to determine the core predictors of users’ continuance intentions to use SMPs. Through the analysis of survey data from South Korea, it indicates that satisfaction strongly and positively affects users’ continuance intentions. Moreover, satisfaction is influenced by perceived usefulness (PU), security, and enjoyment. Interestingly, although perceived ease of use (PEU) does not directly affect satisfaction, it can indirectly influence satisfaction via users’ PU and perceived enjoyment. Furthermore, perceived ubiquity has strong effects on users’ PU and PEU. The study also discusses meaningful implications, and provides suggestions for future studies.

Factors Influencing the Use of Smartphones for Programing: A Structural Equation Modeling Approach

The ubiquitous application of smartphones and their advanced development have created an opportunity for using them as coding platforms. In this study, we compared between the use of personal computers (PCs) and smartphones to investigate the factors affecting the use of smartphones in programing. The behavioral intentions of smartphone end-users are inspired by the ease of use perception, enjoyment perception, programing anxiety, perception of external control, and smartphone design aesthetics. Although the [Formula: see text] value of the smartphone model was lower than that of the PC model, the end-users’ adoption decisions could have shifted toward accepting the use of smartphones for programing had their decisions been free of enforcement. In this study, design aesthetics and programing anxiety were introduced to Technology Acceptance Model 3 in an Arabic environment. Additionally, the model was creatively applied for guiding practitioners in two situations. First, when organizations are in the quest for emerging technology to replace the legacy technology, they might apply the presented side-by-side comparison of the use of PCs with that of smartphones in programing. Second, at a time when decision makers analyze what might hinder the adoption of a recently introduced technology, the model can be a successful hand tool guiding the top management in identifying technology acceptance interventions, an approach this research revealed. Furthermore, in this paper, the research implications and recommendations are presented for technology practitioners and designers.

Understanding Chinese Millennials' Adoption Intention Towards Third-Party Mobile Payment

Different user groups will tend to value different third-party mobile payment offerings differently, and so make different adoption decisions. Millennials are regarded as creative, socially conscious and more willing to provide opinions on the advantages and disadvantages of new technologies. Therefore, it is important to investigate the key factors that affect Chinese Millennials' adoption behavior of third-party mobile payments as they grow in popularity in China. This study establishes a new conceptual model based on the Technology Acceptance Model incorporating additional variables such as perceived risk, personal innovativeness, compatibility, and social influence. This research collected quantitative data by questionnaire (N=380). The data was analyzed by SPSS. This study suggests that social influence and attitude directly affect adoption intention towards third-party mobile payments, whereas perceived usefulness, compatibility, perceived ease of use and personal innovativeness only indirectly affect adoption intention towards third-party mobile payments.

Exploring the antecedents of mobile payment service usage

Purpose

The number of smartphone users has increased with the maturity of mobile networks, which has not only led to a new lifestyle but has also facilitated the development of mobile application services. Smartphones are regarded as essential communication devices. Currently, diverse groups of people are considering using mobile payment services. Thus, the motives for using mobile payment as well as individual motives for continuing usage are of great research interest. The purpose of this paper is to examine the behavioral motivations underlying individual intentions to continue using mobile payment.

Design/methodology/approach

To explore the factors affecting the intention to use mobile payment services, this study constructed a theoretical framework based on cost-benefit theory that also considers social influences to form an integrated research model that explains the intentions of individuals to use mobile payment services. Online questionnaires were used to evaluate individuals with experience using mobile payment services. A total of 302 questionnaires were collected. Structural equation modeling was employed to assess the relationships among factors included in the research model.

Findings

Perceived value, social norms and social self-image played crucial roles in the intention to use mobile payment services. Furthermore, perceived benefits (relative advantage and service compatibility) and perceived costs (security risks and perceived fees) determined users’ perceived value. Social self-image positively affected users’ perceived value; in the context of a mobile-oriented information system, the ability of a mobile payment service to satisfy a user’s demands with respect to social self-image influenced the user’s perceived value of using such services.

Originality/value

This study contributes to a theoretical understanding of factors that explain users’ intention to use mobile payment services.

Drivers of Mobile Payment Acceptance in China: An Empirical Investigation

With the rapid development of mobile technologies in contemporary society, China has seen increased usage of the Internet and mobile devices. Thus, mobile payment is constantly being innovated and is highly valued in China. Although there have been many reports on the consumer adoption of mobile payments, there are few studies providing guidelines on examining mobile payment adoption in China. This study intends to explore the impact of the facilitating factors (perceived transaction convenience, compatibility, relative advantage, social influence), environmental factors (government support, additional value), inhibiting factors (perceived risk), and personal factors (absorptive capacity, affinity, personal innovation in IT (PIIT)) on adoption intention in China. A research model that reflects the characteristics of mobile payment services was developed and empirically tested by using structural equation modeling (SEM) on datasets consisting of 257 users through an online survey questionnaire in China. Our findings show that perceived transaction convenience, compatibility, relative advantage, government support, additional value, absorptive capacity, affinity, and PIIT all have a positive impact on adoption intention, while social influence has no significant impact on adoption intention, and perceived risk has a negative impact on adoption intention. In addition, the top three factors that influence adoption intentions are absorptive capacity, perceived transaction convenience, and additional value.

Personality Traits as Predictor of M-Payment Systems

Mobile phones have led to a great revolution of modern society, helpful for many businesses to reorient their sales methods towards effective commercial formats. The m-payment, for instance, as an emergent technology to these novel commercial setups, is now undertaking the adoption process. Individual users are known to vary in their tendency to accept new technologies. Not surprisingly, some conceptual models describe how and why individuals use m-payments. Until recently, however, the role of personality in overall, and the big five model of personality, in particular, had remained mostly unexplored. This article aims to ascertain the impact of personality traits on m-payment adoption. Data were collected from 323 m-payment customers and analyzed using a two-step research methodology. SEM was applied to test the hypothesis, and significant antecedents of m-payment were identified. Next significant personality factors were input to a neural network model for ranking. The results showed that conscientious and agreeableness is the two main predictors of m-payment adoption.

Exploring the Relationship between Perceived Ease of Use and Continuance Usage of a Mobile Terminal: Mobility as a Moderator

As the number of mobile terminal users has increased worldwide, research on continuance usage of a mobile terminal (CUMT) has received wide attention to facilitate the sustainability of development of mobile application providers. However, different results of the relationship between perceived ease of use (PEU) and continuance usage toward information technology were found in prior studies, and studies that mainly focus on their linear relationship cannot provide an explanation of the different results. The purpose of this study was to explore the relationship between PEU and CUMT to examine the intriguing possibility that a curvilinear relationship can be found. This study proposed a model with a moderator of mobility based on the environment–behavior relationship theory and expectation disconfirmation theory. The research model was tested with 311 respondents collected in China through hierarchical regressions method. The results empirically indicate that mobility moderates the relationship between PEU and CUMT and show a linear relationship under high levels of mobility and a U-shaped relationship under low levels of mobility. At a low PEU stage, PEU negatively and significantly influences the behavior of CUMT, while, at a high PEU stage, there is a positive relationship between PEU and CUMT. This paper provides a detailed explanation of this behavior in the mobile Internet context. This paper discusses theoretical contributions and practical implications for the sustainable development of mobile application providers as well as the limitations of the study and future research directions.

Engaging consumers in multichannel online retail environment

Purpose

With India becoming world’s second largest user of smartphones (Ming, 2017) and with more users adopting mobile devices for online shopping, Indian online retailers now have to manage mobile channel in addition to existing traditional channel (of computers). Hence, the purpose of this study is to investigate the mapping of product characteristics with individual channel capabilities and its effect on online consumer behaviour, so that e-tailers can create enhanced online shopping experience for consumers.

Design/methodology/approach

A comprehensive research model is developed on the basis of the knowledge gained from multichannel retailing and e-commerce literature. Then, the model is empirically tested, with primary data collected from 344 customers, using structural equation modelling. The data are collected from customers across two product categories: electronics and fashion.

Findings

The results reveal that perceived usefulness, perceived risk and perceived self-efficacy are important drivers of online consumer behaviour for continued usage. The multi-group analysis confirms the moderation influence of platform type for some relationships across electronics and fashion.

Practical implications

The findings underline the importance of multichannel complementarity across electronics and fashion. The preference of mobile devices for fashion and traditional devices such as computers for electronics provides valuable insights for online retailers towards management of multichannel e-commerce ecosystem.

Originality/value

In Indian context, this is the first empirical research on online multichannel retail setting, studying the impact of diverse channel formats on different product categories. The study’s findings give empirical basis to online retailers to look out for right product–channel fit strategy for engaging consumers in the long run.

Mobile payment in Fintech environment: trends, security challenges, and services

Due to recent developments in IT technology, various Fintech technologies composing of finance and technology are being developed. Especially, because of rapidly growing online market and supply of mobile devices, the need for mobile Fintech payment service that enables easy online and off-line payment has increased. According to the 2013 report by market research company Gartner, purchase related global mobile payment market size was predicted to grow from $45.1 billion in 2012 to $224.3 billion in 2017 with average annual growth of 38%. The study will surveyed the recent trends of mobile Fintech payment services and categorized them based on the service forms to suggest requirements and security challenges so that better and securer service can be provided in the future. First, the study defined existing payment services and Fintech payment services by comparing them, and analyzed recent mobile Fintech payment services to classify mobile Fintech payment service providers into Hardware makers, Operating System makers, payment platform providers, and financial institutions to show their common features. Finally it defined requirements that mobile Fintech payment services must meet and security challenges that future and present mobile Fintech payment services will encounter in the perspective of mutual authentication, authorization, integrity, privacy, and availability. Through the suggested study, it is expected that mobile Fintech payment services will develop into more secure services in the future.

Perceived Innovation and Quick Response Codes in an Online-to-Offline E-Commerce Service Model

The prevalent consumption channel with portable devices has led to an emerging pattern of online–to-offline (O2O) purchasing behavior. By applying the technology acceptance model (TAM) and the theory of planned behavior as the theoretical framework, this study investigated consumers' perceptions toward applying quick response codes (QR codes) for shopping. Of the research sample, a total of 338 valid returns were investigated using a structural analysis with the partial least squares method. The results indicate that perceived innovation leads to greater perception of usefulness and ease of use. From the view of the TAM, the ease of QR code use does not influence the attitude of users regarding employing QR codes for shopping. The results lend support to the practical implications of the emerging O2O consuming behavior using QR codes with portable devices. Further findings and discussion are elaborated in this paper.

Low Power Near Field Communication Methods for RFID Applications of SIM Cards

Power consumption and communication distance have become crucial challenges for SIM card RFID (radio frequency identification) applications. The combination of long distance 2.45 GHz radio frequency (RF) technology and low power 2 kHz near distance communication is a workable scheme. In this paper, an ultra-low frequency 2 kHz near field communication (NFC) method suitable for SIM cards is proposed and verified in silicon. The low frequency transmission model based on electromagnetic induction is discussed. Different transmission modes are introduced and compared, which show that the baseband transmit mode has a better performance. The low-pass filter circuit and programmable gain amplifiers are applied for noise reduction and signal amplitude amplification. Digital-to-analog converters and comparators are used to judge the card approach and departure. A novel differential Manchester decoder is proposed to deal with the internal clock drift in range-controlled communication applications. The chip has been fully implemented in 0.18 µm complementary metal-oxide-semiconductor (CMOS) technology, with a 330 µA work current and a 45 µA idle current. The low frequency chip can be integrated into a radio frequency SIM card for near field RFID applications.

Antecedents of customer satisfaction in mobile commerce

Purpose

The purpose of this paper is to determine statistically significant drivers of customer satisfaction in mobile commerce and to test the moderating effects of customization on the relationships between customer satisfaction and its predictors.

Design/methodology/approach

The sample comprised 224 respondents. Confirmatory factor analysis was used to test the validity of the model, and moderated regression analysis was applied to determine main and interaction effects.

Findings

Trust, perceived usefulness, mobility, and perceived enjoyment were found to be significant drivers of customer satisfaction. The results also indicate the statistical significance of two interaction effects: customization moderates the influence of mobility and the influence of trust on customer satisfaction.

Research limitations/implications

The study was conducted in a single time period and in a developing country where m-commerce is still not widely used. Future models should include new variables. Comparison between different age or gender groups would also be useful.

Practical implications

The findings are useful for m-commerce providers who are developing marketing campaigns, where the focus should be on promoting the mobility aspect of m-commerce, in particular its usefulness to consumers and its security. M-commerce activities should be developed and redesigned to better meet consumers’ specific demands and needs.

Originality/value

M-commerce customer satisfaction studies are rare. The developed model has five potential antecedents of satisfaction: trust, social influence, perceived usefulness, mobility, and perceived enjoyment. New insights are provided into the moderating role of customization.