Understanding consumer acceptance of mobile payment services: An empirical analysis

Authors:
Paul Gerhardt Schierz;Oliver Schilke;Bernd W. Wirtz
Affiliations:
The Boston Consulting Group, Ludwigstrasse 21, D-80539 Munich, Germany;Stanford University, Institute for Research in the Social Sciences, 450 Serra Mall - Building 370, Stanford, CA 94305, USA;German University of Administrative Sciences Speyer, Institute for Information and Communication Management, Freiherr-vom-Stein-Strasse 2, D-67346 Speyer, Germany
Venue:
Electronic Commerce Research and Applications
Year:
2010

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Abstract

Mobile technology has become increasingly common in today's everyday life. However, mobile payment is surprisingly not among the frequently used mobile services, although technologically advanced solutions exist. Apparently, there is still a lack of acceptance of mobile payment services among consumers. The conceptual model developed and tested in this research thus focuses on factors determining consumers' acceptance of mobile payment services. The empirical results show particularly strong support for the effects of compatibility, individual mobility, and subjective norm. Our study offers several implications for managers in regards to marketing mobile payment solutions to increase consumers' intention to use these services.