ADOPTION OF MOBILE PAYMENT SYSTEMS: A STUDY ON MOBILE WALLETS

Year 2016, Volume: 5 Issue: 1, 73 - 92, 30.03.2016

Gokhan Aydin , Sebnem Burnaz

https://doi.org/10.17261/Pressacademia.2016116555

Abstract

This study aims to understand the factors contributing to
consumer attitude development towards and intention to use mobile payment
systems. One of major mobile network operators’ mobile wallet application in
Turkey was used as a proxy of the mobile payment systems. Survey methodology is
used to collect data from subscribers by stratified random sampling among two
distinct groups (users and nonusers). A total of 1395 questionnaires were collected
from subscribers and analyzed using partial least squares structural equation
modeling. The findings highlight the importance of ease of use and usefulness
in attitude development. On the other hand, security concerns were found to
have low level of effects on attitudes and use intentions. Effect of social
influence was found to be insignificant among the users. There were differences
between users’ and non-users’ perceptions and beliefs indicated by significant
differences in the majority of the constructs employed in the study. 

Keywords

Mobile payment, mobile wallet, innovativeness, mobile app, technology adoption

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