Paying with plastic: the digital revolution in buying and borrowing
Paying with plastic: the digital revolution in buying and borrowing
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ACM Transactions on Computer-Human Interaction (TOCHI)
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International Journal of Mobile Communications
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International Journal of Mobile Communications
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Human-Computer Interaction
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MIS Quarterly
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Telematics and Informatics
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Retailer Adoption of Mobile Payment: A Qualitative Study
Journal of Electronic Commerce in Organizations
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This paper presents a qualitative study on consumer adoption of mobile payments. The findings suggest that the relative advantage of mobile payments is different from that specified in adoption theories and include independence of time and place, availability, possibilities for remote payments, and queue avoidance. Furthermore, the adoption of mobile payments was found to be dynamic, depending on certain situational factors such as a lack of other payment methods or urgency. Several other barriers to adoption were also identified, including premium pricing, complexity, a lack of critical mass, and perceived risks. The findings provide foundation for an enhanced theory on mobile payment adoption and for the practical development of mobile payment services.