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An Exploration of Antecedents of Initial Trust in M-Payments

An Exploration of Antecedents of Initial Trust in M-Payments

Hemantkumar P. Bulsara, Esha A. Pandya
Copyright: © 2021 |Volume: 19 |Issue: 4 |Pages: 23
ISSN: 1539-2937|EISSN: 1539-2929|EISBN13: 9781799859239|DOI: 10.4018/JECO.2021100105
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MLA

Bulsara, Hemantkumar P., and Esha A. Pandya. "An Exploration of Antecedents of Initial Trust in M-Payments." JECO vol.19, no.4 2021: pp.80-102. http://doi.org/10.4018/JECO.2021100105

APA

Bulsara, H. P. & Pandya, E. A. (2021). An Exploration of Antecedents of Initial Trust in M-Payments. Journal of Electronic Commerce in Organizations (JECO), 19(4), 80-102. http://doi.org/10.4018/JECO.2021100105

Chicago

Bulsara, Hemantkumar P., and Esha A. Pandya. "An Exploration of Antecedents of Initial Trust in M-Payments," Journal of Electronic Commerce in Organizations (JECO) 19, no.4: 80-102. http://doi.org/10.4018/JECO.2021100105

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Abstract

This study aims to investigate factors influencing the formation of consumers' initial trust in m-payments in a developing country such as India. Despite being considered a significant pre-adoption factor, initial trust in m-payments has remained underexplored. To fulfill this research gap, a cross-sectional survey of 1,087 respondents has been conducted, and the analysis has been done using factor analysis and structural equation modeling. Results indicate that consumers' awareness about m-payments and perceived integrity of mobile service providers positively influence initial trust, whereas perceived risks have a significant negative influence, and perceived opportunism of service provider has a marginally significant influence on the formation of initial trust. The findings will be helpful to the m-payment vendors, mobile network operators, and technology providers to enhance trust-building mechanisms in mobile payment systems that can have a positive impact on the adoption and usage of m-payments.

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