Role of mindfulness in merchant’s adoption of mobile payments in an unorganized sector

Abstract

Purpose This study aims to propose mindfulness as a key factor in merchants’ adoption of mobile payments through the trust and perceived value pathways in an unorganized sector. Design/methodology/approach Data were collected physically via a structured questionnaire from a random sample of 350 merchants from the unorganized retail sector in India. Partial least squares-based structural equation modeling was used to analyze the data. Findings Mindfulness plays a key role in the formation of trust and perceived value, which further influences merchants’ intentions to adopt mobile payments. Furthermore, moderating effects of technology anxiety and skepticism were also observed. Originality/value To the best of the authors’ knowledge, this study is the first to illustrate mindfulness in merchants of the unorganized sector in adopting mobile payments to influence the adoption intentions of mobile payments in emerging markets.

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