Title: Consumer adoption of mobile payments: a distinctive analysis between China and Malaysia

Authors: Phuah Kit Teng; Bernard Lim Jit Heng; Siti Intan Nurdiana Wong Abdullah; Wong Tsu Ping; Xie Jing Yao

Addresses: Department of Marketing, Faculty of Accountancy, Finance and Business, Tunku Abdul Rahman University College, Jalan Genting Kelang, 53300 Kuala Lumpur, Malaysia ' Faculty of Business and Management, Cyberjaya University College of Medical Science, Persiaran Bestari, Cyber 11, 63000 Cyberjaya, Selangor, Malaysia ' Faculty of Business, Communication and Law, INTI International University, Persiaran Perdana BBN, Putra Nilai, 71800 Nilai, Negeri Sembilan, Malaysia ' Faculty of Business, Communication and Law, INTI International University, Persiaran Perdana BBN, Putra Nilai, 71800 Nilai, Negeri Sembilan, Malaysia ' Faculty of Business, Communication and Law, INTI International University, Persiaran Perdana BBN, Putra Nilai, 71800 Nilai, Negeri Sembilan, Malaysia

Abstract: The adoption of mobile payment is still rather new for an emerging economy like Malaysia whereby cashless payment has yet to be fully accepted by the vast majority. There is still a lack of studies found on the cross-country differences between China and Malaysia, thus, this study attempted to compare the adoption of mobile payment between these two countries to identify the differences in mobile payment adoption using theory of reasoned action and technology of acceptance model. Consumers from Nanjing, China and Klang Valley, Malaysia were selected for this study. A total of 384 respondents from each country were surveyed using personal administered questionnaire. Among the four factors, perceived security seems to differ for the two countries and the study provide a new insight to researchers and market practitioners in terms of analysing the adoption of mobile payment in future.

Keywords: adoption; cross-country analysis; China; Malaysia; mobile payment.

DOI: 10.1504/IJBCRM.2020.108505

International Journal of Business Continuity and Risk Management, 2020 Vol.10 No.2/3, pp.207 - 223

Received: 27 Nov 2018
Accepted: 25 Jun 2019

Published online: 06 Jul 2020 *

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