User behaviour in QR mobile payment system: the QR Payment Acceptance Model

The path to cashless transaction: A study of user intention and attitudes towards quick response mobile payments

This study explores the factors influencing users' behavioral intentions, attitudes and actual adoption of quick response (QR) mobile payment in the least developed country (LDC) of Bangladesh, by extending the original unified theory of acceptance and use of technology (UTAUT) model. The study conducts a mixed-methods investigation by combining the partial least squares (PLS) and focus group discussion (FGD) methods to empirically evaluate the research model and cross-validate the findings. Using purposive sampling, data were gathered from 412 respondents, followed by 10 respondents who took part in the FGD, who all met the sample criteria. The study findings indicate that performance expectancy, effort expectancy, and social influence significantly positively influence users' behavioral intention, while self-concept, perceived self-efficacy, and habit substantially influence their attitudes towards using QR mobile payments. The findings also confirm a positive effect of users' attitudes toward using QR mobile payment on both behavioral intention and actual use, and a positive effect of behavioral intention on the actual use of QR mobile payments. These findings offer several important theoretical and managerial implications.

The path to sustainability begins with going paperless: Antecedents of intention to use electronic wallet using serial mediation approach

The expansion of E-wallet service providers in Indonesia is quite encouraging. In its report, Bank of Indonesia indicated that 48 E-wallet services are lawful. This is consistent with the number of E-wallet transactions, where USD 1.5 billion were recorded in 2018 and this number is expected to increase in 2023. This statistic increases the researcher's motivation to investigate E-wallet acceptability in Indonesia. The intention to use e-wallets among Indonesian adults must be studied in order to comprehend adoption factors, identify user preferences, inform marketing strategies, promote financial inclusion, and inform policy and regulatory decisions. This cross-sectional quantitative study conducted in Indonesia aimed to examine the factors influencing the formation of an intention to use electronic wallets (E-Wallets). It focused on perceived ease of use, perceived trust, perceived risk, perceived usefulness, social influence, compatibility, facilitating conditions, and perception of new technology. While previous studies have explored factors influencing users' intention to adopt electronic wallets, few have explicitly focused on mediating factors in the Indonesian context. This study fills this gap by investigating the mediating factors that affect Indonesian users' intention to adopt electronic wallets. It enhances the understanding of the direct factors influencing users' intention and sheds light on the complex relationships of other factors (mediators) that explain the underlying dynamics of this phenomenon. The study analyzed data from 384 valid participants using partial least squares and structural equation modeling with Smart PLS 4.0. The findings revealed that e-wallet facilitating conditions, perceived usefulness, perceived trust, compatibility, perception of risk, and perception of new technology positively and significantly influenced users' intention to use e-wallets in Indonesia. However, social influence and ease of use did not have a positive impact on e-wallet adoption intention among the Indonesian sample. The implications of this study suggest that e-wallet providers should prioritize balancing ease of use and security in their systems. If an e-wallet system is perceived as too easy to use, it may raise concerns about safety and unauthorized access, negatively affecting users' intention to adopt electronic wallets. Therefore, e-wallet providers should ensure user-friendly systems that address security concerns. Future research should explore other factors related to e-wallet adoption and assess their long-term effects on users' intention to use and adopt e-wallets. Despite its limitations, this study provides valuable insights for e-wallet providers, policymakers, and researchers in understanding electronic wallet adoption in Indonesia. It offers guidance for developing effective strategies and interventions to promote widespread adoption and use of electronic wallets.

Factors impacting behavioural intentions to adopt the electronic marketplace: findings from small businesses in India

The pandemic has accelerated e-commerce adoption for both consumers and sellers. This study aims to identify factors critical to the adoption of electronic markets (EM) during the pandemic, from the perspective of small sellers in non-metro cities. The research design utilizes core dimensions of the UTAUT model and selected constructs from protection motivation theory; since business closure vulnerability also triggers electronic market adoption. A questionnaire survey method was used to collect data from 150 sellers from tier-II/III cities of India. Study results identified performance expectancy, effort expectancy, social influence and perceived vulnerability as significant determinants of behavioural intention towards adoption of EM. The findings also explain the moderating impact of sellers' awareness of information technology and merchants' age on behavioural outcomes. Given the growing demands from such cities, the research offers insights for marketers to understand the bottlenecks and ways to motivate small sellers to get associated with EMs.

A study of Indian Gen X and Millennials consumers’ intention to use FinTech payment services during COVID-19 pandemic

Purpose

Amid the COVID-19 contamination, people are bound to use contactless FinTech payment services. Because of restrictions on physical movement and avoidance of touching physical money, people willingly choose mobile payment, resulting in enormous growth in FinTech payment service industries. Because of this, this study aims to examine the effect of factors affecting Gen X and Millennials users to use FinTech payment services.

Design/methodology/approach

The authors used 328 responses collected through convenience sampling of Indian users aged between 26 and 57 years in the Delhi-NCR region who are users of FinTech payment services.

Findings

The authors’ findings verified that in India, perceived COVID-19 risk, perceived severity for COVID, individual mobility, subjective norms, perceived ease of use and perceived usefulness have statistically significant impacts on FinTech payment services during the COVID-19 pandemic. Structural equation modelling was used to study the proposed research model. Overall, the model predicted 76.9 % of the variation in intention to use FinTech payment services by the abovesaid variables by Indian users during a pandemic.

Practical implications

This study will provide valuable insight to all FinTech service providers and stakeholders in planning and designing the concerned policy. It will be able to draw the attention of users more.

Originality/value

This research added a valuable theory to the existing technology adoption model (TAM) theory. It demonstrated the utility of the above variables in adopting and using FinTech payment services, which will help service providers to develop future strategies because of the COVID-19 pandemic.

Research in Electronic and Mobile Payment Systems: A Bibliometric Analysis

Electronic (mobile) payment systems are an important aspect of e-commerce. However, few reviews highlight the most significant findings and challenges. In this article, we have prepared a bibliometric analysis to provide a statistical overview of previously published research papers on electronic (mobile) payment systems and user preferences, with a particular emphasis on their diverse techniques and analyses, as well as comprehensive and reliable directions to reveal evolutionary nuances and highlighting emerging areas in this specific research. This study reviewed 177 scientific papers published between 2001 and November 2021 in the Web of Science (WoS) database on the subjects of electronic payment systems (EPS) and mobile payment systems (MPS), payment interface (PI), technology acceptance model (TAM), payment frameworks (PF), and user preferences (UP). The amount of studies using the abovementioned topics (EPS, MPS, TAM, PF, and UP) increases annually. Spain, China, and Malaysia are the three main countries that actively participate, and their international academic partnership is relatively close. We have compiled a list of the most relevant publications, prolific authors, institutions, and leading research topics. The articles were used to evaluate bibliometric indicators, analyze research activity, investigate the subject’s evolution, and identify the most interconnected themes. The findings provide a comprehensive overview of existing thematic studies, with a notable rising trend showing the potential for future research in the field. The study provides a guideline for further research.

A Personal Growth System Supporting the Sustainable Development of Students Based on Intelligent Graph Element Technology

In recent years, the sustainable development of education has become an increasing concern, and new technology characterized by intelligence has played an important role in promoting it. However, facing the endless stream of teaching platforms, learning platforms, student management platforms and learning APPs, teachers and students are tired of coping. Meanwhile, there has been a serious lack of real information about student growth, especially in the fields of electronic graphics, and audio and video materials. At present, there is no continuous student growth system that can be used over the course of their life, which is very unfavorable to their individual development. Graphic code is a technology with the potential to solve these problems; however, the existing graphic code technology suffers from clear deficiencies in the realization of a personalized student growth system that incorporates intelligence, security and sustainability. In response to this, this paper proposes a new generation of graphic code technology, namely intelligent graph element technology (IGET). Further, a new sustainable personalized student growth system model is designed based on artificial intelligence, big data analysis and intelligent graph element technologies, and the architecture and implementation of this system platform are completed. Finally, a student growth system based on intelligent code is verified through by an analysis of the results of a questionnaire survey. The research results show that, compared with the traditional student management system, the student growth system based on an intelligent graph element code has obvious advantages in convenience, intelligence, precision, security, and sustainability.

Evaluating the Use of QR Codes on Food Products

Today, consumers consider food packaging to be as equally important as a product brand. In addition, the increase in smartphone usage by consumers has led marketers to design new forms of packaging. Among the latest marketing trends, smart packaging with the use of QR Codes is emerging as one of the most promising technologies to enhance the information provided to consumers and influence their buying behavior. This study evaluates the use of a QR Code on bottled milk and more specifically on milk produced by one of the most well-known “boutique” Greek dairy producers. It consists of two phases. In the first one, data was gathered from 537 consumers of the product to capture and analyze their (i) buying behavior, (ii) perception of the product’s package, and (iii) knowledge about the product. In the second phase, a Quick Response (QR) Code was placed on the bottle’s label. Consumers who scanned it were linked to a web page containing information on the product. A total of 308 from the 537 initial respondents scanned the code, accessed the site, and answered the second questionnaire. Similar to the first stage, (i) the consumers’ buying behavior, (ii) their perception of the product’s package, and (iii) their knowledge about the product were examined, following their visit to the above-mentioned website through the QR Code. The objective was to evaluate the use of web applications using enriched text information. The results show that a QR Code on the packaging of food products, which directs consumers to entertaining and enriched content, results in an increased level of usage intention. Moreover, they proved that comprehension and self-confidence are higher with the adoption of the QR Code. In addition, the use of QR Codes enables businesses to provide timely and accurate information and positively influence consumers′ buying behavior.

Exploring the Influence of Determinants on Behavior Intention to Use of Multiple Media Kiosks Through Technology Readiness and Acceptance Model

The use of multiple media kiosks (MMKs) is witnessing an increasingly strong uptrend in 24-h chain convenient stores in developed countries. However, as the functions of MMKs intensifies and increases, how to retain consumers has been a topic that raises concerns of managers and researchers. In this study, we adopt the integrated technology acceptance model, which combines technology readiness and acceptance model with interactivity that serves as the moderating factor, with the purpose of discussing the relationships among all these variables and their impacts on behavior intention to use. Through the cross-sectional survey and purposive sampling, a total of 623 copies of questionnaire from Taiwan were collected in this study. Smart-PLS for PLS-SEM was applied in the structural model to conduct a verification of the hypotheses and comparative analysis in this study. The results show that all hypotheses were significantly supported; technology readiness has a positive impact on perceived ease to use and perceived usefulness; and interactivity also positively moderates the relationship among perceived ease to use, perceived usefulness and attitude toward using. Our results will offer more insights and advice concerning theories of service technology.

Application of New Technology in Education: Design and Implementation of Graduate Certificate Model Based on Intelligent Graph Element Technology

Modern information technology empowers education and infuses new vigor into educational innovation. However, current university diplomas are old-fashioned, not connected to information technology, and easy to copy. Two-dimensional code technology, widely popular in China because of its intuitive, simple, convenient, and other advantages, should be integrated into the field of education. Two-dimensional code technology is the advanced form of graphic code technology. However, through the analysis of the current situation of graphic code technology research and education applications including two-dimensional code, there are no actual cases of graphic code technology applied to graduation certificates, leaving a blank field of research. This is mainly due to the defects and limitations of the existing graphic code technology, so a new intelligent graph element technology (IGET) is proposed here. Intelligent graph element technology integrates the functional advantages of two-dimensional code and overcomes the issues of certificates being easy to forge and difficult to verify, by adding intuitive, discernible, and valuable new functions, suitable for the functional requirements of the graduation certificate. Based on intelligent graph element technology, a novel graduation certificate management system model is constructed here, and a graduation certificate is designed and implemented. Compared with the traditional graduation certificate, the graduation certificate based on intelligent graph elements has the advantages of being intuitive and readable, and having information security, a large amount of information, and intelligent anti-counterfeiting, verification, and traceability mechanisms. The application of intelligent graph element technology in the design and research of college graduation certificates opens a new window of digitization and informatization innovation for traditional college graduation certificates, and provides reference for other innovative applications of intelligent graph element technology in the field of education.

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.

An Empirical Investigation of the Continued Usage Intention of Digital Wallets: The Moderating Role of Perceived Technological Innovativeness

The paper examines the constructs that instigate the users to adopt digital wallets and continued usage behavior in a developing country perspective, Bangladesh. The researcher used a cross-sectional design to collect the primary data using a self-administered questionnaire. The population consisted of the youth, precisely 18–35, who are tech-savvy and knowledgeable about new technology. The study followed the nonprobability purposive sampling technique, and 330 responses were collected through a structured questionnaire survey. In direct path analysis, the findings revealed that perceived usefulness, ease of use, compatibility, insecurity, and behavioral intention to adopt digital wallets found significant relationships among the constructs that supported the proposed hypotheses. Moreover, indirect path analysis of perceived compatibility, perceived personal innovativeness and perceived social influence found no significant relationships that did not justify the proposed hypotheses. Users' behavioral intention partially mediates among perceived usefulness, ease of use, personal innovativeness, and perceived social influence, except perceived compatibility. The findings suggested that perceived technological innovativeness did not support the proposed hypothesis. The incorporated constructs of this study have hardly been found in the existing literature, and the researchers shed light on the unexplored research area. The study results, implications, and limitations have been discussed.

Understanding the determinants of e-wallet continuance usage intention in Malaysia

The present research aims to investigate the determinants of e-wallet continuance usage intention in Malaysia using extending Technology Continuance Theory (TCT) via examining four variables, namely price benefit, trust, habit, and operational constraints. This paper adopts a quantitative approach to collect data with non-probability sampling using the purposive sampling technique. An online survey was conducted and a total of 379 respondents submitted their answers. The obtained results have shown that continue use of e-wallet is not affected by perceived usefulness (PU) and trust. However, there is a significant influence associated with perceived ease of use (PEU), PU, and satisfaction toward user’s attitude that, in turn, substantially impacts the users’ intention to continue to use e-wallet. This is one of the prior studies exploring Malaysian's intention to continue using e-wallet, using the TCT model as the research framework, and through examining four variables adopted from the literature, including price benefit, habit, trust, and operational constraints. The practical implications for the service providers and policymakers from the present findings can be used to develop strategies to gain a sustainable, competitive advantage, and promote continuous intention of e-wallet usage.

The Factors that Affect Healthcare Workers’ Intention to Use of E-Finance Applications in Turkey

E-finance applications, being the significant outcome of the rapid developments in information technologies in the finance sector, have grown to be increasingly significant and beneficial. Time-saving e-finance applications are more important for healthcare professionals as they have an intensive work schedule. In this research, the healthcare professionals working in Turkey, the factors influencing their intention to use the e-finance application is intended to be examined. Data collected from a sample of 517 people, including doctors, nurses, and other healthcare professionals, were analysed through Structural Equation Modelling. As a result of the analysis, it was seen that the Trust variable has a major effect on healthcare workers’ intention to use e-finance. This research also finds that Personal Initiatives, Ease of Use and Usefulness have a positive and significant impact on the aforementioned dependent variable, respectively. As a result, findings that will increase the use of e-finance applications by healthcare professionals are presented in the study.

Factors influencing the adoption of mobile payment systems in Indonesia

Purpose

This empirical study aims to determine factors that influence an individual’s intention to use mobile payment (MP) systems. The study investigates direct, indirect and total effects as well as factors that mediate or moderate effects on intention.

Design/methodology/approach

A theoretical model is derived from previous studies and combines factors from technology acceptance model and unified theory of acceptance and use of technology (perceived usefulness, perceived ease of use, social influence, facilitating conditions, behavioral intention) with factors relevant to MP (perceived security, uncertainty avoidance, trust, network externalities and self-efficacy). Gender, age, MP experience and income are included as moderators of direct effects on behavioral intention. The sample includes 736 participants from the four large cities in Indonesia. Structural equation modeling is used to analyze and develop the theoretical model.

Findings

Self-efficacy has the greatest total effect on behavioral intention, followed in decreasing order of importance by perceived usefulness, perceived ease of use, social influence, trust, network externalities and uncertainty Avoidance. only gender and MP experience have significant moderating effects whereby the direct effects of self-efficacy and network externalities on behavioral intention are influenced by gender and MP experience, respectively. Trust, perceived usefulness and perceived ease of use have important mediation effects.

Originality/value

This study fills the gap in the limited theoretical understanding of MP adoption in Indonesia. New theoretical findings related to mediating and moderating effects, direct, indirect, and total effects are used to discuss important practical implications of the findings.

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.

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.

An Empirical Study on Users' Continuous Usage Intention of QR Code Mobile Payment Services in China

This article aims to investigate users' continuous usage intention of quick response (QR) code mobile payment services in China. Drawing from UTAUT as theory foundation, this study integrates with literature on perceived risk and involvement to propose a research model and seven research hypotheses to examine user's continuous usage of QR code mobile payment services. The research model was empirically tested with a sample of 215 users of QR code mobile payment services in China. The results indicated that five of seven research hypotheses were significantly supported. According to the results, performance expectancy, effort expectancy and social influence had significant positive direct impacts on users' continuous usage intention of QR code mobile payment services. However, perceived risk did not have a negative effect on users' continuous usage intention of QR code mobile payment services. This article contributes to the existing literature on continuous usage of mobile payment services.

Examining the Contributing Factors for Cloud Computing Adoption in a Developing Country

The growth in cloud computing adoption is phenomenal in organizations worldwide due mainly to its potential to increase productivity and enhance efficiency in business operations. However, cloud adoption is very low in many organizations in the developing countries. To gain insights into organizations' behavioral intention and usage behavior of cloud computing, based on the Extended Unified Technology Acceptance and Use Theory, the current study investigated the effects of technological, organizational, and environmental factors on cloud adoption in organizations. Using samples from five industry sectors and by employing the Structural Equation Model, the study found that facilitating conditions, habit, performance expectancy, and price value had positive and significant effect on behavioral intention to use cloud computing. But, effort expectancy, social influence, lack of motivation, and inadequate security were found to be barriers to cloud adoption. These findings could contribute toward better formulation of planning guidelines for successful adoption of cloud computing.