Mobile Payment: The Hiding Impact of Learning Costs on User Intentions

• Molina-Castillo, Francisco-Jose ^[1] ; Carolina Lopez-Nicolas ^[1] ; Mark de Reuver ^[2]
  1. [1] Universidad de Murcia

     Universidad de Murcia

     Murcia, España

     
  2. [2] Delft University of Technology

     Delft University of Technology

     Países Bajos

     
• Localización: Journal of Theoretical and Applied Electronic Commerce Research, ISSN-e 0718-1876, Vol. 15, Nº. 1, 2020, págs. 1-12
• Idioma: inglés
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• Resumen

  • This study analyzes how learning costs for technologies that lack de facto standards, such as mobile payment, affect user intentions. In addition, we evaluate how the negative effect of learning costs is mediated by perceived functional value and facilitating conditions. Data used in this research was obtained from a study among 463 consumers. We find support that negative effects from learning costs are fully mediated by perceived functional value and facilitating conditions. Hence, one important reason of slow user acceptance is that the high diversity mobile payment services, platforms and technologies increases the learning costs of users. The results pose important implications for managers willing to increase the acceptance of mobile payment.