Understanding Mobile Payments through the Lens of Innovation Resistance and Planned Behavior Theories

Shareef Abu Al-Maati, Nooh Muhammad, Ahmad Rabaa'i, Enas Eljamal

Research output: Contribution to journalArticlepeer-review

2 Scopus citations

Abstract

Despite the numerous advantages that different mobile payments can provide, their acceptance, and adoption rates are still relatively low. This study aims at investigating mobile payments and demonstrates how drivers and barriers that influence behavioral intentions to use mobile payments interact and support one another by combining the theory of planned behavior (TPB) and the innovation resistance theory (IRT). A self-administered online survey was employed to gather data from 341 users of mobile payments in the State of Kuwait. To test the proposed model and its hypotheses, responses were analyzed using a partial least square structural equation modeling approach (PLS-SEM). The results show that usage, value, risk, and tradition resistance-related factors are significant barriers towards behavioral intentions to use mobile payments, while the image barrier is insignificant. The findings also affirmed that perceived behavioral control and attitudes motivate and influence consumers’ behavioral intentions; however, the subjective norm was non-significant. The study’s findings have significant implications for scholars, mobile payments’ service providers, marketers, policymakers, and banks.
Original languageAmerican English
Pages (from-to)45-64
Number of pages20
JournalUncertain Supply Chain Management
Volume12
Issue number1
DOIs
StatePublished - 26 Oct 2023

Keywords

  • Behavioral intentions
  • Fintech
  • IRT
  • Innovation resistance theory
  • Mobile payments
  • TPB
  • Theory of planned behaviour

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