Intention of Personal Information Disclosure in Mobile Payment Apps

Intention of Personal Information Disclosure in Mobile Payment Apps

Mai Thi Thu Le, Hien Thu Pham, Minh Thi Nguyet Tran, Thao Phuong Le
Copyright: © 2022 |Pages: 14
DOI: 10.4018/IJESMA.296581
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Abstract

This paper employs the regulatory focus and risk-taking perspectives to integrate constructs related to the intention to disclose personal information in mobile payment apps among young people in such an emerging country like Vietnam. Data were collected from a survey among young Vietnamese people and analyzed with statistical software of SPSS and AMOS. Findings reveal that promotion regulatory focus leads to risk propensity which will be positively correlated to intention to disclose personal information in mobile payment apps among young people. In contrast prevention regulatory focus is correlated to risk perception which will be negatively related to intention to disclose personal information in mobile payment apps. Furthermore, the positive moderating role of perceived trust in the relationship between risk propensity and intention to disclose personal information in mobile payment apps is confirmed while perceived trust has been found to negatively moderate the impact of risk perception on intention to disclose personal information in mobile payment apps.
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Mobile Payment Apps

Mobile payment has offered numerous social and economic benefits because it incurs lower costs than cash-based services and other card payment systems (Arvidsson, 2014). Therefore, consumers are encouraged to use mobile payment services. Many studies have been conducted to examine factors affecting the intention of using mobile payment services in developed countries (e.g.: Ondrus & Pigneur, 2006; Schierz et al., 2010). However, in an emerging market like Vietnam, few studies related to mobile payment have been conducted. Although Vietnamese merchants do offer a wide range of payment options, the most favorable payment options are bank transfer (88%), cash on delivery (82%), credit cards (60%) and offline POS (47%) (Austrade, 2019). Therefore, a key question that needs to be answered is “What are barriers towards the adoption of mobile payment in Vietnam?”.

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