Paying by Your Messaging Application?: A Trust Model
Conference proceedings article
Authors/Editors
Strategic Research Themes
Publication Details
Author list: Pal D., Funilkul S., Patra S.
Publisher: Hindawi
Publication year: 2020
ISBN: 9781450377591
ISSN: 0146-9428
eISSN: 1745-4557
Languages: English-Great Britain (EN-GB)
Abstract
User adoption of mobile payments is low when compared to the traditional payment methods. At the same time, there has been a surge in the usage of second-generation mobile instant messaging (SMIM) services. Integrating these two services can be a game changer in the market, which needs more research from the viewpoint of end-user adoption. Similarly, for any service, trust is an extremely important factor that affects the adoption. Motivated by this fact, the current work proposes a trust based theoretical model for explaining the user adoption of an integrated mobile payment/SMIM service scenario. By considering both the positive and negative valences of user trust, the current study aims to deeply integrate its mediating role on the adoption intention. The research framework is proposed based on a multi-model approach by combining the concepts from valence framework, information system success model, and the technology adoption model. The proposed framework is empirically tested and validated by using a Partial Least Squares Structural Equation Modelling approach from a sample of 846 people, all having prior experience in using a mobile payment and SMIM service. © 2020 ACM.
Keywords
Adoption intention, Mobile payment, Multi-model approach, SMIM services, User trust
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