Customer intention in using mobile payment: perspectives of attitudes and mooring effects
by Chien-Ta Ho; Jhong-Min Yang; Tung-Miao Chang
International Journal of Mobile Communications (IJMC), Vol. 26, No. 2, 2025

Abstract: In many cases, consumers' positive and negative attitudes towards technology often coexist, making it challenging to determine whether these attitudes encourage or deter adoption at any given moment, even if positive/negative factors are strong, some consumers may not adopt or abandon the technology due to the mooring effects of environmental factors. This study establishes an innovative A-M model. We evaluate the model using 306 valid samples for the structural equation modelling (SEM) analysis. The findings indicate that positive attitudes, negative attitudes, and mooring effects coexist in the user's mind because of the reflections of technology characteristics, individual perceptions, and environmental and contextual variables. Only the positive attitudes affect consumers' intentions to use m-payment significantly. Furthermore, the mooring effect's moderating effects were limited to the relationship between negative attitudes and usage intentions. This paper concludes by discussing the academic and practical implications and suggestions for further research.

Online publication date: Wed, 13-Aug-2025

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