Title: Mobile payment adoption at the pre-purchase stage

Authors: Ling Long Tsai; Michael Loncar

Addresses: Department of Cultural Creative Industries, National Pingtung University, No. 4-18, Ming Sheng Road, Ping Tung City, Ping Tung 900, Taiwan ' English Department, National Pingtung University, No. 4-18, Ming Sheng Road, Ping Tung City, Ping Tung 900, Taiwan

Abstract: Although several studies have examined adoption of mobile commerce, only a few have considered mobile payment (MP) adoption at the pre-purchase encounter stage. The following study aims to investigate MP usage intention at the pre-purchase stage. A questionnaire based on the extended unified theory of acceptance and use of technology (UTAUT) model was issued to 550 Taiwanese mobile phone users. Results show that at the pre-purchase stage, effort expectancy, performance expectancy, and perceived value are the three major predictors of intention to use MP. It was also found that facilitating conditions and self-efficacy are significant predictors of effort expectancy, perceived benefits have a positive impact on perceived value, and that perceived risks have a negative influence on perceived value. Importantly, effort expectancy was also found to mediate facilitating conditions and performance expectancy, as well as self-efficacy and performance expectancy.

Keywords: mobile payment; unified theory of acceptance and use of technology; UTAUT; service encounter; pre-purchase stage; usage intention.

DOI: 10.1504/IJMC.2022.125913

International Journal of Mobile Communications, 2022 Vol.20 No.6, pp.680 - 702

Accepted: 01 Feb 2021
Published online: 04 Oct 2022 *

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