Title: Understanding peer-to-peer mobile payment continuance intention: a privacy calculus perspective

Authors: Duc Chinh Pham; Trang Nguyen

Addresses: Faculty of Business Administration, University of Economics and Law, Quarter 3, Linh Xuan Ward, Thu Duc District, Ho Chi Minh City, Vietnam; Vietnam National University HCM, Ho Chi Minh City, Vietnam ' School of International Business and Marketing, University of Economics Ho Chi Minh City, 59C Nguyen Dinh Chieu Street, District 3, Ho Chi Minh City, Vietnam

Abstract: Along with the growing trend for social media-enabled applications, an increasing number of mobile payment providers have incorporated functions of social media into their mobile payment applications, also known as peer-to-peer (P2P) mobile payment. By integrating the privacy calculus model and perceived value perspectives, this study aims to examine factors influencing users' continuance usage intention of P2P mobile payment. An online survey was performed to obtain data. The findings reveal that perceived convenience, perceived enjoyment, and social image strongly influence users' continuance intention. In contrast, deal proneness and privacy concerns exert no effect on consumers' intention to continue using the service. Our research is the first attempt to cast light on the determinants of retaining users on P2P mobile payment. The research enriches the literature on information systems (IS) mobile payment by highlighting how the balance between perceived value and privacy concerns influences users' intentions to continue using P2P mobile payment services. This study extends the privacy calculus model and perceived value by investigating a new context of P2P mobile payment. The findings also offer mobile payment providers insightful implications on creating strategies to effectively sustain and nurture customer relationships.

Keywords: P2P; mobile payment; privacy calculus model; perceived value; continuance; intention.

DOI: 10.1504/IJEB.2025.145342

International Journal of Electronic Business, 2025 Vol.20 No.2, pp.210 - 243

Received: 11 May 2023
Accepted: 13 Apr 2024
Published online: 31 Mar 2025 *

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