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Positing a Factorial Model for Consumer Trust in Mobile Payments

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Information System Development

Abstract

Payments via mobile and wireless terminal devices (i.e. cell phone/smartphone handsets) have been introduced by businesses for more than a decade now—alas mostly with less than desired success. There are numerous barriers to widespread adoption and the required wireless architectures are often prone to competitive as well as technological incompatibilities. However, one important acceptance/appropriation determinant is users’ trust. A review of current literature indicates insufficient levels of consumer trust in mobile payments—despite its widely acknowledged potential. Moreover, this seems to be accompanied by a dearth of research aimed at establishing, isolating and operationally defining the factors that influence consumer trust in these payments. This study explored such trust factors in an explorative, qualitative study using focus group sessions in a significant Middle Eastern country. The results are formulated in a factorial framework based on five main conceptualisations: user/consumer characteristics; environmental (social, business and cultural) influences; provider profiles; mobile-device specifications; and the nature/level of perceived risks.

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Author information

Authors and Affiliations

  1. School of Information Management, Victoria University of Wellington, Wellington, New Zealand

    Ahmed Shuhaiber, Hans Lehmann & Tony Hooper

Authors
  1. Ahmed Shuhaiber
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  2. Hans Lehmann
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  3. Tony Hooper
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Corresponding author

Correspondence to Ahmed Shuhaiber .

Editor information

Editors and Affiliations

  1. Dept of Computer Languages and Systems, University of Seville, Seville, Spain

    María José Escalona

  2. IWT2 Research Group FIDETIA, University of Seville, Seville, Spain

    Gustavo Aragón

  3. Monash University, Caaulfield East, Victoria, Australia

    Henry Linger

  4. National University of Ireland, Galway, Ireland

    Michael Lang

  5. National University of Ireland, Galway, Ireland

    Chris Barry

  6. City University of Hong Kong, Kowloon, Hong Kong SAR

    Christoph Schneider

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© 2014 Springer International Publishing Switzerland

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Shuhaiber, A., Lehmann, H., Hooper, T. (2014). Positing a Factorial Model for Consumer Trust in Mobile Payments. In: José Escalona, M., Aragón, G., Linger, H., Lang, M., Barry, C., Schneider, C. (eds) Information System Development. Springer, Cham. https://doi.org/10.1007/978-3-319-07215-9_32

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  • DOI: https://doi.org/10.1007/978-3-319-07215-9_32

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  • Publisher Name: Springer, Cham

  • Print ISBN: 978-3-319-07214-2

  • Online ISBN: 978-3-319-07215-9

  • eBook Packages: Computer ScienceComputer Science (R0)

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