Weitere Kapitel dieses Buchs durch Wischen aufrufen
This paper seeks to contribute to filling a knowledge gap on the topic of person-to-person (P2P) mobile payment adoption behaviour. The study builds on quantitative survey data from university students in Berlin. The theoretical foundation rests on innovation diffusion theory (IDT), the theory of reasoned action (TRA), the technology acceptance model (TAM), and mobile payment research. The majority of respondents have a favourable attitude towards using P2P mobile payments. P2P mobile payments are perceived as useful, easy to use, and are compatible with the lifestyle of the majority of respondents. They also support respondents’ mobile lifestyle; enabling them to cheaply, quickly, and easily conduct transactions on the move. Despite the benefits, social pressure to use P2P mobile payments is low, and respondents are comfortable with current payment methods. Adoption might be further hampered by concerns related to trust in service providers and security risks. Banks seeking to launch new P2P mobile payment solutions or aiming to improve existing services should focus on system usability, and increase awareness of service benefits. At the same time, there is a need to build trust and promote customer security. It is also important to focus on lifestyle compatibility, and consider an individual’s social environment and its effect on their adoption decision.
Bitte loggen Sie sich ein, um Zugang zu diesem Inhalt zu erhalten
Sie möchten Zugang zu diesem Inhalt erhalten? Dann informieren Sie sich jetzt über unsere Produkte:
Ahmad, K., S. Bertrand, and G. du Toit. 2014. Mobile payments: The next step in a bank’s digital journey. Insights, Bain & Company. http://www.bain.com/publications/articles/mobile-payments-the-next-step-in-a-banks-digital-journey.aspx. Retrieved 1 Sept. 2017.
Ajzen, I. 1985. From intentions to actions: A theory of planned behavior. In Action control, eds. J. Kuhl and J. Beckman, pp. 11–39. Berlin: Springer.
Ajzen, I. 1991. The theory of planned behavior. Organizational Behavior and Human Decision Processes 50 (2): 179–211. CrossRef
Ajzen, I., and M. Fishbein. 1980. Understanding attitudes and predicting social behaviour. Englewood Cliffs: Prentice-Hall.
Albuquerque, J.P. de, E.H. Diniz, and A.K. Cernev. 2014. Mobile payments: A scoping study of the literature and issues for future research. Information Development 32:1–27.
Amoroso, D.L., and R. Magnier-Watanabe. 2012. Building a research model for mobile wallet consumer adoption: The case of mobile Suica in Japan. Journal of Theoretical and Applied Electronic Commerce Research 7 (1): 94–110. CrossRef
Anthony, D., and D.K. Mutalemwa. 2014. Factors influencing the use of mobile payments in Tanzania: Insights from Zantel’s Z-pesa services. Journal of Language, Technology & Entrepreneurship in Africa 5 (2): 69–90.
Armitage, C.J., and M. Conner. 2001. Efficacy of the theory of planned behaviour: A meta-analytic review. British Journal of Social Psychology 40 (4): 471–499. CrossRef
Arvidsson, N. 2014. Consumer attitudes on mobile payment services—results from a proof of concept test. International Journal of Bank Marketing 32 (2): 150–170. CrossRef
Blackburn, H. 2011. Millennials and the adoption of new technologies in libraries through the diffusion of innovations process. Library Hi Tech 29 (4): 663–677. CrossRef
Capgemini. 2017. World FinTech report 2017. https://www.se.capgemini-consulting.com/sites/default/files/world_fintech_report_wftr_2017_final_web.pdf. Retrieved 27 Aug. 2017.
Carr, V.H. 1999. Technology adoption and diffusion. The Learning Center for Interactive Technology. http://www.au.af.mil/au/awc/awcgate/innovation/adoptiondiffusion.htm. Retrieved 16 July 2016.
Chandra, S., S.C. Srivastava, and Y.L. Theng. 2010. Evaluating the role of trust in consumer adoption of mobile payment systems: An empirical analysis. Communications of the Association for Information Systems 27 (1): 561–588.
Chen, J.J., and C. Adams. 2005. User acceptance of mobile payments: A theoretical model for mobile payments. In Proceedings of the Fifth International Conference on Electronic Business (ICEB), Hong Kong.
Dahlberg, T., and A. Öörni. 2007. Understanding changes in consumer payment habits: Do mobile payments and electronic invoices attract consumers? In System Sciences, 2007. HICSS 2007. 40th Annual Hawaii International Conference (pp. 50–50). IEEE.
Dahlberg, T., J. Guo, and J. Ondrus. 2015. A critical review of mobile payment research. Electronic Commerce Research and Applications 14 (5): 265–284. CrossRef
Dahlberg, T., N. Mallat, and A. Öörni. 2003. Trust enhanced technology acceptance model-consumer acceptance of mobile payment solutions: Tentative evidence. Stockholm Mobility Roundtable 22:23.
Dahlberg, T., N. Mallat, J. Ondrus, and A. Zmijewska. 2008. Past, present and future of mobile payments research: A literature review. Electronic Commerce Research and Applications 7 (2): 165–181. CrossRef
Darwish, A.F.E., and G.L. Huber. 2003. Individualism vs collectivism in different cultures: a cross-cultural study. Intercultural Education 14 (1): 47–56. CrossRef
Dastan, I., and C. Gürler. 2016. Factors affecting the adoption of mobile payment systems: An empirical analysis. Emerging Markets Journal 6 (1): 17–24. CrossRef
Davis, F.D. 1989. Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly 13:319–340.
Davis, F.D., R.P. Bagozzi, and P.R. Warshaw. 1989. User acceptance of computer technology: A comparison of two theoretical models. Management Science 35 (8): 982–1003. CrossRef
Dennehy, D., and D. Sammon. 2015. Trends in mobile payments research: A literature review. Journal of Innovation Management 3 (1): 49–61.
Deutsche Bundesbank. 2012. Payment behaviour in Germany in 2011—An empirical study of the utilisation of cash and cashless payment instruments. https://www.bundesbank.de/Redaktion/EN/Downloads/Publications/Studies/payment_behaviour_in_germany_in_2011.pdf?__blob=publicationFile. Retrieved 10 Aug. 2016.
Dewan, S.G., and L.D. Chen. 2005. Mobile payment adoption in the US: A cross-industry, crossplatform solution. Journal of Information Privacy and Security 1 (2): 4–28. CrossRef
Diniz, E.H., J.P. de Albuquerque, and A.K. Cernev. 2011. Mobile Money and Payment: A literature review based on academic and practitioner-oriented publications (2001–2011). In Proceedings of SIG Global Development Fourth Annual Workshop (pp. 1–27), Shanghai, China.
Fishbein, M., and I. Ajzen. 1975. Belief, attitude, intention and behavior: An introduction to theory and research. Reading: Addison-Wesle.
Frost, S. 2015. A holistic mobile payments strategy goes beyond the point of sale. Mobile Payments Today. https://www.mobilepaymentstoday.com/blogs/a-holistic-mobile-payments-strategy-goes-beyond-the-point-of-sale/. Retrieved 15 Sept. 2017.
Geert-Hofstede.com. n. d. Germany. https://geert-hofstede.com/germany.html. Retrieved 24 Sept. 2016.
GSMA. 2016. The mobile economy 2016. GSMA. https://www.gsmaintelligence.com/research/?file=97928efe09cdba2864cdcf1ad1a2f58c&download. Retrieved 10 Aug. 2016.
Guhr, N., T. Loi, R. Wiegard, and M.H. Breitner. 2013. Technology readiness in customers’ perception and acceptance of m(obile)-payment: An empirical study in Finland, Germany, the USA and Japan. In Proceedings from 11th International Conference on Wirtschaftsinformatik. Leipzig, Germany.
Hamza, A., and A. Shah. 2014. Gender and mobile payment system adoption among students of tertiary institutions in Nigeria. International Journal of Computer and Information Technology 3 (1): 13–20.
Heggestuen, J. 2015. The peer-to-peer Payments report: The exploding market for smartphone apps that transfer money. Business Insider. http://uk.businessinsider.com/growth-in-peer-to-peer-payment-apps-report-2015-4?r=US&IR=T. Retrieved 31 Aug. 2016.
Hofstede, G. 2011. Dimensionalizing cultures: The Hofstede model in context. Online Readings in Psychology and Culture 2 (1): 2–26. CrossRef
Jones, M.A., D.L. Mothersbaugh, and S.E. Beatty. 2000. Switching barriers and repurchase intentions in services. Journal of Retailing 76 (2): 259–274. CrossRef
Keramati, A., R. Taeb, A.M. Larijani, and N. Mojir. 2012. A combinative model of behavioural and technical factors affecting ‘Mobile’-payment services adoption: An empirical study. The Service Industries Journal 32 (9): 1489–1504. CrossRef
Kerstein, D. 2016. Is now the time to invest in mobile wallets and P2P payments? The financial brand. https://thefinancialbrand.com/60447/mobile-wallet-p2p-payments-investment-strategy/. Retrieved 2 Sept. 2017.
Khodawandi, D., K. Pousttchi, and D.G. Wiedemann. 2003. Acceptance of mobile payment procedures in Germany. In K. Pousttchi and K. Turowski (eds.), Mobile Commerce-Applications and Perspectives. In Proceedings of the 3rd Workshop on Mobile Commerce (pp. 42–57). Augsburg, Germany.
Kim, C., M. Mirusmonov, and I. Lee. 2010. An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior 26 (3): 310–322. CrossRef
Kleivene, L.E. 2016. P2P Mobile Payments: Investigating the Factors of Adoption Among Students in Germany. Master thesis, Hochschule für Wirtschaft und Recht Berlin.
Koren, J.R. 2017. As millennials ‚Venmo‘ each other money, banks fight back with their own mobile apps. Los Angeles Times. http://www.latimes.com/business/la-fi-agenda-p2p-20170327-story.html. Retrieved 27 Aug. 2017.
Leinonen, H. 2008. Payment habits and trends in the changing e-landscape 2010+. (Expository studies, A:111 2008). Bank of Finland. https://www.finextra.com/finextra-downloads/featuredocs/a111.pdf. Retrieved 15 July 2016.
Liébana-Cabanillas, F., F. Muñoz-Leiva, and J. Sánchez-Fernández. 2013. The impact of risk on the technological acceptance of mobile payment services. Global Business Perspectives 1 (4): 309–328. CrossRef
Lu, Y., S. Yang, P.Y. Chau, and Y. Cao. 2011. Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective. Information & Management 48 (8): 393–403. CrossRef
Mahler, A., and E.M. Rogers. 1999. The diffusion of interactive communication innovations and the critical mass: The adoption of telecommunications services by German banks. Telecommunications policy 23 (10): 719–740. CrossRef
Mai, H. 2015. Instant Revolution of Payments? The Quest for Real-time Payments. Deutsche Bank Research. https://www.dbresearch.com/PROD/DBR_INTERNET_EN-PROD/PROD0000000000378543/Instant_revolution_of_payments%3F_The_quest_for_real.pdf. Retrieved 10 June 2016.
Mallat, N. 2007. Exploring consumer adoption of mobile payments–A qualitative study. The Journal of Strategic Information Systems 16 (4): 413–432. CrossRef
Markendahl, J., and Apanasevic, T. 2013. Trends towards fragmentation of the mobile payment market in Sweden. In The 29th Annual IMP Conference, Atlanta, USA, August 30–September 2, 2013. IMP Group.
McKinsey & Co. 2011. The road to mobile payments services. McKinsey & Co. http://www.mckinsey.com/~/media/mckinsey%20offices/knowledge%20network/pdfs/the_road_to_mobile_payments_services.ashx. Retrieved 29 Aug. 2017.
McKinsey & Co. 2014. The digital battle that banks must win. McKinsey Financial Services. http://www.mckinsey.com/industries/financial-services/our-insights/the-digital-battle-that-banks-must-win. Retrieved 28 Aug. 2017.
Meijer, C. de, and J. Bye. 2011. The increasing adoption of mobile payments in Europe—and remaining challenges to growth. Journal of Payments Strategy & Systems 5 (3): 273–288.
Merritt, C. 2011. Mobile money transfer services: The next phase in the evolution of person-to-person payments. Journal of Payments Strategy & Systems 5 (2): 143–160.
Moore, G.C., and I. Benbasat. 1991. Development of an instrument to measure the perceptions of adopting an information technology innovation. Information Systems Research 2 (3): 192–222. CrossRef
Moore, G.C., and I. Benbasat. 1996. Integrating diffusion of innovations and theory of reasoned action models to predict utilization of information technology by end-users. In Diffusion and Adoption of Information Technology, ed. K. Kautz et al., pp. 132–146. US: Springer.
Nguyen, T.N., T.K. Cao, P.L. Dang, and H.A. Nguyen. 2016. Predicting consumer intention to use mobile payment services: empirical evidence from Vietnam. International Journal of Marketing Studies 8 (1): 117–124. CrossRef
Ondrus, J., Camponovo, G., and Pigneur, Y. 2005. A proposal for a multi-perspective analysis of the mobile payment environment. In International Conference on Mobile Business (ICMB’05) (pp. 659–662). IEEE.
Paypal. 2015. Paypal money habit – Global: Research findings. Paypal. https://www.paypalobjects.com/webstatic/stories/post_assets/paypal_money_habits_study__media_deck_global_final.pdf. Retrieved 10 May 2016.
Pham, T.T.T., and J.C. Ho. 2015. The effects of product-related, personal-related factors and attractiveness of alternatives on consumer adoption of NFC-based mobile payments. Technology in Society 43:159–172. CrossRef
Phonthanukitithaworn, C., C. Sellitto, and M. Fong. 2015. User intentions to adopt mobile payment services: A study of early adopters in Thailand. Journal of Internet Banking and Commerce 20 (1): 1–29.
Pousttchi, K. 2003. Conditions for acceptance and usage of mobile payment procedures. In mBusiness 2003—The Second International Conference on Mobile Business, eds. G.M. Giaglis, H. Werthner, V. Tschammer, K. Foeschl, pp. 201–210. Vienna.
Pousttchi, K., and D.G. Wiedemann. 2007. What influences consumers’ intention to use mobile payments. In Proceedings of the LA Global Mobility Round table.
PwC. 2015. Payments on the go: Making sense of the evolving mobile payments industry. PwC. https://www.pwc.com/us/en/financial-services/publications/viewpoints/mobile-industry-payments-on-the-go.html. Retrieved 25 Aug. 2017.
PwC. 2016. Blurred lines: How FinTech is shaping Financial Services. PwC. https://www.pwc.de/de/newsletter/finanzdienstleistung/assets/insurance-inside-ausgabe-4-maerz-2016.pdf. Retrieved 25 Aug. 2017.
Qasim, H., & E. Abu-Shanab. 2015. Drivers of mobile payment acceptance: The impact of network externalities. Information Systems Frontiers, 1–14.
Rogers, E.M. 1962. Diffusion of innovations. New York: Free Press of Glencoe.
Rogers, E.M. 1983. Diffusion of innovations. New York: Free Press.
Sahin, I. 2006. Detailed review of Rogers’ diffusion of innovations theory and educational technology-related studies based on Rogers’ theory. TOJET: The Turkish Online Journal of Educational Technology, 5(2).
Saunders, M., P. Lewis, & A. Thornhill. 2010. Research methods for business students, 5th edn. Pearson Education India.
Schierz, P.G., O. Schilke, and B.W. Wirtz. 2010. Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications 9:209–216. CrossRef
Schlehahn, E. 2014. Citizen summits on privacy, Security and Surveillance: Country report Germany. SurPRISE. http://surprise-project.eu/wp-content/uploads/2014/10/D6.3_Country_report_Germany_final_30.9.pdf. Retrieved 9 Sept. 2016.
Slade, E., M. Williams, Y. Dwivedi, and N. Piercy. 2015. Exploring consumer adoption of proximity mobile payments. Journal of Strategic Marketing 23 (3): 209–223. CrossRef
Taylor, S., and P.A. Todd. 1995. Understanding information technology usage: A test of competing models. Information Systems Research 6 (2): 144–176. CrossRef
Teo, T.S., and S.H. Pok. 2003. Adoption of WAP-enabled mobile phones among Internet users. Omega 31 (6): 483–498. CrossRef
Tornatzky, L.G., and K.J. Klein. 1982. Innovation characteristics and innovation adoption-implementation: A meta-analysis of findings. IEEE Transactions on Engineering Management 29 (1): 28–45. CrossRef
TSYS. 2015. 2015 German consumer mobile payment study. TSYS. http://tsys.com/Assets/TSYS/downloads/rs_2015-german-consumer-mobile-payments(English).pdf. Retrieved 10 Aug. 2016.
TSYS. 2016. 2016 German Consumer Payment Study. TSYS. http://tsys.com/Assets/TSYS/downloads/rs_2016-de-consumer-payment-study-english.pdf. Retrieved 1 Sept. 2016.
Tucker, T. 2011. What influences young adults’ decision to adopt new technology? The Elon Journal of Undergraduate Research in Communications 2 (2): 147–157.
Viehland, D., and R.S.Y. Leong. 2010. Consumer willingness to use and pay for mobile payment services. International Journal of Principles and Applications of Information Science and Technology 3 (1): 35–46.
Wheeler, L. 2008. Kurt Lewin. Social and Personality Psychology Compass 2 (4): 1638–1650. CrossRef
Wiegard, R. B., N. Guhr, T. Loi, and M.H. Breitner. 2012. Investigating Technology Acceptance of Mobile Payment in Germany and the USA. In Proceedings of Multikonferenz Wirtschaftsinformatik 2012.
Windh, J. 2011. Peer-to-peer payments: Surveying a rapidly changing landscape [White paper]. Federal Reserve Bank of Atlanta. https://www.frbatlanta.org/-/media/Documents/rprf/rprf_pubs/110815wp.pdf. Retrieved 10 May 2016.
Yang, S., Y. Lu, S. Gupta, Y. Cao, and R. Zhang. 2012. Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits. Computers in Human Behavior 28 (1): 129–142. CrossRef
Yousafzai, S.Y., G.R. Foxall, and J.G. Pallister. 2007. Technology acceptance: A meta-analysis of the TAM: Part 1. Journal of Modelling in Management 2 (3): 251–280. CrossRef
Zhou, T. 2014. An empirical examination of initial trust in mobile payment. Wireless Personal Communications 77 (2): 1519–1531. CrossRef
Zmijewska, A., E. Lawrence, and R. Steele. 2004. Towards Understanding of Factors Influencing User Acceptance of Mobile Payment Systems. In Proceedings of IADIS International Conference WWW/Internet 2014 (pp. 270–277).
- P2P Mobile Payments: Investigating the Factors of Adoption Among Students in Germany
Leif Erik Kleivene
- Kapitel 3
Best Practices für Web-Exzellenz im Online-Handel/© venimo | Fotolia