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Contextual facilitators and barriers influencing the continued use of mobile payment services in a developing country: insights from adopters in India

Contextual facilitators and barriers influencing the continued use of mobile payment services in... Mobile payment services hold the potential for financial inclusion in developing economies. Low-income countries are characterized by distinctive conditions like price sensitivity, low digital penetration, high risk of failure, and competitive emerging markets, which further influence mobile payment usage. We develop a research model to identify the contextual facilitators (like price benefit, network externalities, trust, and habit) and barriers (like risk, lack of facilitating conditions, and operational constraints) driving mobile payment usage intention. We test the model using data from 298 survey respondents from India who had adopted and were currently using mobile payment services. The factors that facilitate or constrain users’ intention to continue using mobile payments are essential in understanding the technology’s sustenance and its future in enabling financial inclusion. http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png Information Technology for Development Taylor & Francis

Contextual facilitators and barriers influencing the continued use of mobile payment services in a developing country: insights from adopters in India

Contextual facilitators and barriers influencing the continued use of mobile payment services in a developing country: insights from adopters in India

Information Technology for Development , Volume 26 (2): 27 – Apr 2, 2020

Abstract

Mobile payment services hold the potential for financial inclusion in developing economies. Low-income countries are characterized by distinctive conditions like price sensitivity, low digital penetration, high risk of failure, and competitive emerging markets, which further influence mobile payment usage. We develop a research model to identify the contextual facilitators (like price benefit, network externalities, trust, and habit) and barriers (like risk, lack of facilitating conditions, and operational constraints) driving mobile payment usage intention. We test the model using data from 298 survey respondents from India who had adopted and were currently using mobile payment services. The factors that facilitate or constrain users’ intention to continue using mobile payments are essential in understanding the technology’s sustenance and its future in enabling financial inclusion.

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References (209)

Publisher
Taylor & Francis
Copyright
© 2020 Commonwealth Secretariat
ISSN
1554-0170
eISSN
0268-1102
DOI
10.1080/02681102.2019.1701969
Publisher site
See Article on Publisher Site

Abstract

Mobile payment services hold the potential for financial inclusion in developing economies. Low-income countries are characterized by distinctive conditions like price sensitivity, low digital penetration, high risk of failure, and competitive emerging markets, which further influence mobile payment usage. We develop a research model to identify the contextual facilitators (like price benefit, network externalities, trust, and habit) and barriers (like risk, lack of facilitating conditions, and operational constraints) driving mobile payment usage intention. We test the model using data from 298 survey respondents from India who had adopted and were currently using mobile payment services. The factors that facilitate or constrain users’ intention to continue using mobile payments are essential in understanding the technology’s sustenance and its future in enabling financial inclusion.

Journal

Information Technology for DevelopmentTaylor & Francis

Published: Apr 2, 2020

Keywords: Mobile payment services; mobile wallets; continued usage; intention to use; developing countries; ICT4D

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