Determine Factors of NFC Mobile Payment Continuous Adoption in Shopping Malls: Evidence From Indonesia

Determine Factors of NFC Mobile Payment Continuous Adoption in Shopping Malls: Evidence From Indonesia

Siwei Sun (University of Auckland, New Zealand), Fangyu Zhang (University of Auckland, New Zealand), Kaicheng Liao (Tongji University, China) and Victor Chang (Aston University, UK)
Copyright: © 2021 |Pages: 20
DOI: 10.4018/IJBIR.20210701.oa1
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Near Field Communication (NFC) mobile payment systems allow users to utilize services through smartphones. There is insufficient literature exploring the adoption of NFC with payment scenarios in developing countries. This study aims to explore the influential factors of consumer adoption of NFC, taking payment behaviors through NFC in Indonesia as an example. One hundred forty-seven participants were enrolled in the 5-point Likert scale survey, and 124 valid samples were analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that trust mediates the effect of context on consumers' continuous intention to use NFC mobile payment. Additionally, trust mediates the effect of perceived risk on consumers' continuous intention to use. The perceived ease of use and perceived usefulness have no effects on consumers' continuous intention to use. The mediating effect of religiosity has not been observed in this study. The findings can enbale service providers and local governments to offer better mobile payment services.
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2. Literature Review

2.1. Near Field Communication

Mobile payment is defined as the business activities that are acted through wireless handsets and mobile communication devices (Dewan & Chen, 2005; Luna, 2017). The mobile payment system is categorized into proximity payment and business model (Innopay, 2013). There are three payment technologies from the perspective of B2C, including SMS, NFC and QR. All these approaches are established based on different technologies. To be specific, the SMS is established based on several information technologies, including the ‘global system for mobile communications’, ‘general packet radio services’ and ‘universal mobile telecommunications system’ (Sebola and Penzhorn, 2003). QR is a specific 2D barcode containing hundreds of amounts of data (QR code, 2011). NFC is a radio frequency-based technology that allows data to be exchanged in short-range (Forum NFC, 2011). What makes NFC different from the features of the SMS and QR is as follows. NFC has its wide application scope and availability, ease of use, high security, free registration fee and wide added value services (Grassie, 2007; Madlmayr et al., 2008; Csapodi & Nagy,2007). However, the popularization of NFC is not easy due to the disputes among different interests of stakeholders (Benyó et al., 2009).

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