Behavioral Model of Younger Users in M-Payment Systems

Francisco José Liébana-Cabanillas · Francisco Muñoz‐Leiva · Juan Sánchez‐Fernández

37 citations0/0 files storedJournal of Organizational Computing and Electronic Commerce

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Technology Adoption and User Behaviour Privacy, Security, and Data Protection Health, Technology, Consumer Behavior

Abstract

This article contributes to the research area concerned with behaviors of young users in virtual environments. More specifically, we study their purchasing behaviors on the Internet and the acceptance of the new mobile payment tools that are being used. To perform this research, a web experiment involving a new short-message-service (SMS) mobile payment system is performed. Data from young users who participate in the experiment are used to analyze a behavioral model of factors potentially influencing intentions to adopt the new mobile payment system. The analysis shows how trust, ease of use, and risk are key elements of the intention to use the new tool by persons in a young-user population. Findings and their implications for management provide companies with alternatives to seize this new business opportunity in light of new technological developments. This article is an initial study of behavioral intention with SMS mobile payment, especially among younger users.

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References

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