Mobile Payment: The Hiding Impact of Learning Costs on User Intentions

Mobile Payment: The Hiding Impact of Learning Costs on User Intentions

Molina-Castillo, Francisco Jose (University of Murcia)
Lopez-Nicolas, Carolina
de Reuver, Mark (TU Delft Information and Communication Technology)

2020

This study analyzes how learning costs for technologies that lack de facto standards, such as mobile payment, affect user intentions. In addition, we evaluate how the negative effect of learning costs is mediated by perceived functional value and facilitating conditions. Data used in this research was obtained from a study among 463 consumers. We find support that negative effects from learning costs are fully mediated by perceived functional value and facilitating conditions. Hence, one important reason of slow user acceptance is that the high diversity mobile payment services, platforms and technologies increases the learning costs of users. The results pose important implications for managers willing to increase the acceptance of mobile payment.

Facilitating conditions
Intention to use
Learning costs
Mobile payment
Perceived functional value

http://resolver.tudelft.nl/uuid:bab9b945-f6dd-404f-b111-75631a7731ad

https://doi.org/10.4067/S0718-18762020000100102

0718-1876

Journal of Theoretical and Applied Electronic Commerce Research, 15 (1), 1-12

Institutional Repository

journal article

© 2020 Francisco Jose Molina-Castillo, Carolina Lopez-Nicolas, Mark de Reuver