Title: Resistance towards mobile payment: an examination of symbolic adopters

Authors: Ling Long Tsai

Addresses: Department of Cultural and Creative Industries, National Pingtung University, Taiwan

Abstract: The study combines dual factor theory, the technology acceptance model, and user resistance to investigate the influence of technology anxiety and perceived innovativeness on attitude to use and intention to adopt mobile payment. A specific type of non-adopter, known as 'symbolic adopter', was investigated in the context of mobile payment (MP) adoption in the restaurant industry. Results show that technology anxiety negatively affected symbolic adopters' attitude to use MP, whereas perceived innovativeness positively affected attitude to use MP. Attitude to use MP was also found to positively affect intention to use MP. In addition, resistance to change was found to have a moderating effect between perceived innovativeness and attitude to use MP as well as between attitude to use MP and intention to use MP. Findings of this study are beneficial for MP operators and restaurant managers to better target their promotion strategies to appeal to symbolic adopters.

Keywords: perceived innovativeness; technology anxiety; resistance to change; intention to use; dual factor theory.

DOI: 10.1504/IJEB.2025.149137

International Journal of Electronic Business, 2025 Vol.20 No.4, pp.454 - 471

Accepted: 04 May 2024
Published online: 15 Oct 2025 *

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