An integrated value-risk investigation of contactless mobile payments adoption

作者：Cocosila Mihail^*; Trabelsi Houda

来源：Electronic Commerce Research and Applications, 2016, 20: 159-170.

DOI：10.1016/j.elerap.2016.10.006

• Near field communication mobile payments
• Radio Frequency Identification
• Perceived value
• Perceived risk
• Adoption

The objective of this study is to investigate empirically consumer adoption views on credit card contactless payments with smartphones. Contactless Near Field Communication (NFC) mobile payments have unquestionable advantages but may also face some user doubts. To investigate consumer possible dual views about this new mobile service, a third-order innovative factor integrating value and risk perceptions was developed and validated empirically in an adoption model through a survey involving 289 participants. Findings indicate that the integrated value-risk perception is a significant factor of adoption of NFC payments with smartphones having utilitarian and enjoyment values as the main user motivators, and psychological and privacy risks as the most important deterrents. Overall, this study proposes a broader view of the consumer perceptions of value by integrating value and risk into an unbiased model of technology adoption.

• 出版日期2016-12