EXPLORING BARRIERS TO ADOPTION OF MOBILE PAYMENTS FOR UNIVERSITY STUDENTS: LACK OF AWARENESS, LACK OF AVAILABILITY, AND PERCEIVED SECURITY RISKS

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

Abstract

Though mobile technology has become common in everyday life, the adoption of mobile payments (m-payments) is not high, despite the fact that technologically advanced solutions for mobile payments exist.This paper investigates barriers to consumer adoption of mobile payment services, including lack of awareness, lack of availability, and perceived security risks.A survey was administered to 136 participants and found statistically significant relationships between each of these barriers and intention to use mobile payments.

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2009An empirical examination of factors influencing the intention to use mobile payment 2009Understanding consumer acceptance of mobile payment services: An empirical analysis 2001Board of Governors of the Federal Reserve System 2007Exploring consumer adoption of mobile payments – A qualitative study 2007Past, present and future of mobile payments research: A literature review 2007A model of consumer acceptance of mobile payment 2010Evaluating the Role of Trust in Consumer Adoption of Mobile Payment Systems: An Empirical Analysis 2011The effect of initial trust on user adoption of mobile payment

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2021Understanding Proximity Mobile Payments Adoption in South Africa: A Perceived Risk Perspective 2022Dimensions of mobile service adoption – a systematic literature review

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