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Influence of Habits on Mobile Payment Acceptance: An Ecosystem Perspective

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Abstract

With the increase in the use of various mobile devices, mobile payments have become a crucial driver for commerce success. However, the percentage of consumers who use or continue using mobile payments in the US is low. This study adopts information technology (IT) ecosystem view and transfer of learning theory and explores the effects of five types of technology use habits on consumers’ intention to continue using mobile payments. Results indicate that consumers’ online shopping, mobile service use, and cell phone use habits have a positive relationship with their mobile payment use habit, positively affecting their intention to continue using mobile payments. Theoretical and practical implications of the findings are presented.

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Acknowledgments

This work was supported by the National Natural Science Foundation of China (Grant ID: NSFC 71602009); Beijing Institute of Technology Basic Research Fund Program (Grant ID: 20172142005); Special Fund for Joint Development Program of Beijing Municipal Commission of Education; Beijing Institute of Technology Research Fund Program for Young Scholars.

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Authors and Affiliations

  1. School of Management and Economics, Beijing Institute of Technology, Beijing, China

    Lin Jia & Xiuwei Song

  2. Sustainable Development Research Institute for Economy and Society of Beijing, Beijing, China

    Lin Jia

  3. Harbert College of Business, Auburn University, Auburn, AL, USA

    Dianne Hall

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  1. Lin Jia
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Correspondence to Lin Jia.

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Appendix

Appendix

1.1 Items

Online Shopping Habit: Adopted from Setterstrom et al. (2013)

  1. 1.

    Shopping online has become automatic to me.

  2. 2.

    Shopping online is natural to me.

  3. 3.

    When faced with a particular need, shopping online is an obvious choice to me.

Mobile Service Use habit: Adopted from Setterstrom et al. (2013)

  1. 1.

    Using mobile services other than mobile payments has become automatic to me.

  2. 2.

    Using mobile services other than mobile payments is natural to me.

  3. 3.

    When faced with a particular need, using mobile services other than mobile payments is an obvious choice to me.

Cell Phone Use habit: Adopted from Setterstrom et al. (2013)

  1. 1.

    Using cellphones has become automatic to me.

  2. 2.

    Using cellphones is natural to me.

  3. 3.

    When faced with a particular need, using a cellphone is an obvious choice to me.

Computer Use habit: Adopted from Setterstrom et al. (2013)

  1. 1.

    Using computers has become automatic to me.

  2. 2.

    Using computers is natural to me.

  3. 3.

    When faced with a particular need, using a computer is an obvious choice to me.

Mobile Payment Use habit: Adopted from Setterstrom et al. (2013)

  1. 1.

    Using mobile payments has become automatic to me.

  2. 2.

    Using mobile payments is natural to me.

  3. 3.

    When faced with a particular need, using mobile payments is an obvious choice to me.

Intention to continued use: Adopted from Venkatesh et al. (2012)

  1. 1.

    I intend to continue using mobile payments in the future.

  2. 2.

    I predict that I will continue to use mobile payments frequently in the future.

  3. 3.

    I will strongly recommend that others use mobile payments.

Perceived Ease of Use: Adopted from Lin et al. (2011)

  1. 1.

    Learning to use mobile payments is easy for me.

  2. 2.

    Becoming skillful at using mobile payments is easy for me.

  3. 3.

    Overall, I find mobile payments easy to use.

Perceived Usefulness: Adopted from Kim et al. (2010)

  1. 1.

    Using mobile payments enables me to pay quickly.

  2. 2.

    Using mobile payments makes it easy for me to conduct transactions.

  3. 3.

    I find mobile payments a useful possibility for making payments.

Technology Readiness—discomfort: Adopted from Jin (2013)

  1. 1.

    I sometimes think that mobile payments are not designed for use by ordinary people.

  2. 2.

    Mobile payments have health risks that are not discovered until after people have used them.

  3. 3.

    Mobile payments have safety risks that are not discovered until after people have used them.

  4. 4.

    Mobile payments consistently appear to fail at the worst possible time.

Technology Readiness—insecurity: Adopted from Lu et al. (2012)

  1. 1.

    I can never be sure that the financial information I provided with my cellphone actually reaches the right place.

  2. 2.

    I consider it unsafe to perform any kind of payments with my cellphone.

  3. 3.

    I am concern that financial information I send with my cellphone will be seen by other people.

Technology Readiness—optimism: Adopted from Liljander et al. (2006)

  1. 1.

    Using mobile payments allows me to have better control on my daily life.

  2. 2.

    Using mobile payments gives me freedom of mobility.

  3. 3.

    Products and services that use mobile payment technology are more convenient to use than those without mobile payment technology.

Technology Readiness—innovativeness: Adopted from Liljander et al. (2006)

  1. 1.

    Other people seek advice from me on new information technologies.

  2. 2.

    In general, I am among the first in my circle of friends to acquire new IT when it is available.

  3. 3.

    I can usually determine new information technologies without help from others.

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Jia, L., Song, X. & Hall, D. Influence of Habits on Mobile Payment Acceptance: An Ecosystem Perspective. Inf Syst Front 24, 247–266 (2022). https://doi.org/10.1007/s10796-020-10077-6

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  • DOI: https://doi.org/10.1007/s10796-020-10077-6

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