The web-mobile payment transition has recently become a trend of business extension in the online payment marketplace. However, channel conflicts always exist in a multichannel environment which harms users’ willingness to try out new entrants. Using the status quo bias theory and the coping theory as theoretical lenses, we develop a model to investigate the role of traditional web payment inertia on mobile payment (MP) adoption. Our model posits that consumers’ intention to use MP, a form of coping intention, is a combination consequence of primary and secondary appraisal. Web payment inertia in turn demonstrates its effects on MP adoption via the primary and secondary appraisal process. Specifically, we hypothesize that inertia leads to decreased perceived value and increased perceived risk (i.e. primary appraisal factors) of the newly introduced MP. In addition, we hypothesize that inertia moderates the relationship between perceived controllability (i.e. secondary appraisal factor) and intention to use MP, such that perceived controllability becomes more important in the presence of inertia. We intend to conduct a field survey to test the research model and hypotheses.
Zhang, Kem Z.K.; Gong, Xiang; Zhao, Sesia J.; and Lee, Matthew K.O., "ARE YOU AFRAID OF TRANSITING FROM WEB TO MOBILE PAYMENT? THE BIAS AND MODERATING ROLE OF INERTIA" (2016). PACIS 2016 Proceedings. 235.