Information Systems and e-Business Management

, Volume 17, Issue 2–4, pp 319–342 | Cite as

The impact of mobility, risk, and cost on the users’ intention to adopt mobile payments

  • Yong LiuEmail author
  • Meng Wang
  • Danyu Huang
  • Qiang Huang
  • Hua Yang
  • Zhigang Li
Original Article


With the development of mobile communication technology and the wide application of intelligent devices, mobile payments with great commercial potential have been born. However, the penetration rate of mobile payment is not satisfactory. In order to explore user acceptance of mobile payments, this study proposes a new research model based on the technology acceptance model, which integrates the characteristics of mobile payments (i.e., mobility) and inhibiting factors (i.e., risk and cost). Partial least squares was performed to analyse measurement and structural models on the data collected from 245 survey samples. The results indicated that perceived mobility has a positive and direct impact on perceived ease of use and perceived usefulness, as well as an indirect impact on adoption intention; however, perceived risk and perceived cost negatively affect a user’s intention to use mobile payments. Finally, the research provides empirical evidence for practitioners to enhance the adoption of mobile payments.


Perceived mobility TAM model Perceived risk Perceived cost 



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Copyright information

© Springer-Verlag GmbH Germany, part of Springer Nature 2019

Authors and Affiliations

  • Yong Liu
    • 1
    Email author
  • Meng Wang
    • 1
  • Danyu Huang
    • 1
  • Qiang Huang
    • 1
  • Hua Yang
    • 1
  • Zhigang Li
    • 1
  1. 1.College of Management ScienceChengdu University of TechnologyChengduChina

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