Mobile payments have been adopted as an essential payment channel due to the proliferation of mobile phones and mobile e-commerce. Mobile peer-to-peer (P2P) payment applications, on the other hand, is still in its infancy and have yet to see mass adoption. This study aims to explore the factors that influence the adoption of such mobile P2P payment applications by using a large scale data set based on users’ mobile application usage behaviors. The main initial findings reveal that the length of the session of traditional bank application usage significantly influences the adoption of mobile P2P payment applications. In addition, the amount of social network service applications used positively impacted one’s adoption of mobile P2P payment applications. These findings have important theoretical and practical implications for stakeholders of mobile P2P payment solution providers as well as intermediaries/banks who provide their own payment applications to their customers.
Lim, Jun Feng Clement; Koh, Byungwan; and Lee, Dongwon, "Exploring Mobile Peer-to-Peer Payment Adoption: The Effects of SNS and Native Mobile Banking Apps Usage" (2018). PACIS 2018 Proceedings. 109.