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EMAC 2019 Annual Conference

Influencing factors to use mobile payments

Published: May 28, 2019


Josep Rialp, Universitat Autònoma de Barcelona; Mª Pilar López, Universitat Autònoma de Barcelona; Jingfei Chen, Universitat Autònoma de Barcelona


mobile-payment; perceived-risk; use-situation


This paper introduces perceived risk and use situation to extend the original UTAUT model to understand consumers' intention and actual usage behaviour of mobile payments. The final model proposed is tested using Partial Least Squares Structural Equation Modeling (PLS-SEM) method with data collected through a survey conducted in Spain. We found that performance expectation (PE), effort expectation (EE), social influence (SI) and use situation (US) have a significant positive impact on behaviour intention (BI), while perceived risk (PR) has a negative impact. In addition, behaviour intention (BI) and facilitating conditions (FC) both have a significant positive effect on the consumers’ usage behaviour (UB) on mobile payments. Furthermore, the results of multi-group analysis indicate that in different gender groups there are different impacts of use situation (US) on behaviour intention (BI), and the experience with mobile payments will also affect the impact of social influence (SI) on behaviour intention (BI).