Title: The adoption of mobile payment: a descriptive study on Iranian customers

Authors: Abbas Keramati, Rose Taeb, Arad Mousavi Larijani

Addresses: Industrial Engineering Department, University of Tehran, P.O. Box 11155-4563, Tehran, Iran. ' E-commerce Department, Lulea University of Technology of Sweden, 971 87 Lulea, Sweden; P.O. Box 19198-43771, Tehran, Iran. ' IS Department, Goldsmiths, University of London, New Cross, London, SE14 6NW, UK; P.O. Box 19198-43771, Tehran, Iran

Abstract: The objective of this research is to investigate Iranian customers| adoption of m-payments. For this aim, we are going to review some adoption theories and previous studies which have been done and extract the most significant factors. The proposed factors come from combinations of technological and behavioural factors, and also demographic and cultural characteristics. As a result, questionnaires were distributed and 623 complete questionnaires were gathered and descriptive analyses were done to achieve better understanding about influential adoption factors on m-payment. At the end it concluded citizens with more monthly income, younger, high educated, more traveller, capital city residency and abroad residency are more adapted to m-payment. In addition, although the mean of adoption factors are near four (Lickert between one and seven) and all are almost same, however, it is an acceptable condition for the new system which is about one year old.

Keywords: mobile payments; adoption theories; technological factors; behavioural factors; Iran; m-payments; demographic characteristics; cultural characteristics; monthly incomes; young people; educated people; travellers; Tehran; capital city residents; overseas residencies; Lickert scale; customer relationship management; e-CRM; electronic CRM.

DOI: 10.1504/IJECRM.2010.035966

International Journal of Electronic Customer Relationship Management, 2010 Vol.4 No.3, pp.264 - 279

Published online: 11 Oct 2010 *

Full-text access for editors Access for subscribers Purchase this article Comment on this article