International Journal of Man-Machine Studies
User analysis in HCI—the historical lessons from individual differences research
International Journal of Human-Computer Studies
Individual differences in virtual environments-introduction and overview
Journal of the American Society for Information Science - Special topic issue: individual differences in virtual environments
Mobile commerce: opportunities, applications, and technologies of wireless business
Mobile commerce: opportunities, applications, and technologies of wireless business
Dealing with mobility: understanding access anytime, anywhere
ACM Transactions on Computer-Human Interaction (TOCHI)
Individual differences and relative advantage: the case of GSS
Decision Support Systems
On the web at home: information seeking and web searching in the home environment
Journal of the American Society for Information Science and Technology - Part I: Information seeking research
Literature derived reference models for the adoption of online shopping
Information and Management
The Impact of Use Situation and Mobility on the Acceptance of Mobile Ticketing Services
HICSS '06 Proceedings of the 39th Annual Hawaii International Conference on System Sciences - Volume 02
The role of moderating factors in user technology acceptance
International Journal of Human-Computer Studies
Exploring consumer adoption of mobile payments - A qualitative study
The Journal of Strategic Information Systems
Electronic Commerce Research and Applications
Computers in Human Behavior
MPaySmart: A Customer Centric Approach in Offering Efficient Mobile Payment Services
APSCC '08 Proceedings of the 2008 IEEE Asia-Pacific Services Computing Conference
Why Mobile Payments Fail? Towards a Dynamic and Multi-Perspective Explanation
HICSS '09 Proceedings of the 42nd Hawaii International Conference on System Sciences
Determinants of customer acceptance of mobile payment systems
International Journal of Electronic Finance
Secure Mobile Payment System in Wireless Environment
ICFCC '09 Proceedings of the 2009 International Conference on Future Computer and Communication
Performance of Different Mobile Payment Service Concepts Compared with a NFC-Based Solution
ICIW '09 Proceedings of the 2009 Fourth International Conference on Internet and Web Applications and Services
Mobile payment: A journey through existing procedures and standardization initiatives
IEEE Communications Surveys & Tutorials
The role of inter-channel trust transfer in establishing mobile commerce trust
Electronic Commerce Research and Applications
A usability-centred perspective on intention to use mobile payment
International Journal of Mobile Communications
Constructs for successful implementation of m-business: an Australian case study
International Journal of Mobile Learning and Organisation
Exploring tourist adoption of tourism mobile payment: an empirical analysis
Journal of Theoretical and Applied Electronic Commerce Research
A meta-analysis of mobile commerce adoption and the moderating effect of culture
Computers in Human Behavior
Understanding continuance usage of mobile services
International Journal of Mobile Communications
An empirical examination of continuance intention of mobile payment services
Decision Support Systems
An empirical examination of the determinants of mobile purchase
Personal and Ubiquitous Computing
Exploring convenience in mobile commerce: Moderating effects of gender
Computers in Human Behavior
Understanding the effect of flow on user adoption of mobile games
Personal and Ubiquitous Computing
International Journal of Wireless and Mobile Computing
International Journal of Information Management: The Journal for Information Professionals
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With recent advances in mobile technologies, mobile commerce is having an increasingly profound impact on our daily lives, and beginning to offer interesting and advantageous new services. In particular, the mobile payment (m-payment) system has emerged, enabling users to pay for goods and services using their mobile devices (especially mobile phones) wherever they go. Mobile payment is anticipated to enjoy a bright future. In this paper, we reviewed the relevant literature regarding mobile payment services, analyzed the impact of m-payment system characteristics and user-centric factors on m-payment usage across different types of mobile payment users, and suggested new directions for future research in this emerging field. To analyze the adoption behaviors of m-payment users, we proposed an m-payment research model which consists of two user-centric factors (personal innovativeness and m-payment knowledge) and four m-payment system characteristics (mobility, reachability, compatibility, and convenience). We evaluated the proposed model empirically, applying survey data collected from m-payment users regarding their perceptions on mobile payment. We also attempted to categorize m-payment users into early and late adopters and delineated the different factors for these two types of adoptors that affect their intention to use m-payment. The results indicate that the strong predictors of the intention to use m-payment are perceived ease of use and perceived usefulness. All respondents reported that the compatibility of m-payment was not the primary reason in their decision to adopt it. Interestingly, our findings indicate that early adopters value ease of use, confidently relying on their own m-payment knowledge, whereas late adopters respond very positively to the usefulness of m-payment, most notably reachability and convenience of usage. Moreover, late adopters' perceived ease of use is influenced by personal innovativeness, which can probably be best explained by the fact that innovative late adopters are tech-savvy and feel confident to use m-payment technologies for their needs. Our study will assist managers in implementing appropriate business models and service strategies for different m-payment user groups, allowing them to exert appropriate time, effort, and investment for m-payment system development. Our study also provides directions for future mobile payment-related studies.