Technology Readiness in Customers’ Perception and Acceptance of M(obile)-Payment: An Empirical Study in Finland, Germany, the USA and Japan

Authors

Nadine Guhr, Leibniz Universität Hannover, Institut für Wirtschaftsinformatik, Hannover, GermanyFollow
Tai Loi, Leibniz Universität Hannover, Institut für Wirtschaftsinformatik, Hannover, GermanyFollow
Rouven Wiegard, Leibniz Universität Hannover, Institut für Wirtschaftsinformatik, Hannover, GermanyFollow
Michael H. Breitner, Leibniz Universität Hannover, Institut für Wirtschaftsinformatik, Hannover, GermanyFollow

Abstract

In today`s mobile world there is a high potential for m(obile)-payment services, but the mere existence of such services does not mean that the market is ready for them. M-payment services must add value to attract new users. After years of research regarding technology acceptance (TA) of m-payment, the aim of this paper is to examine how technology readiness (TR) influences customers’ perception and acceptance of m-payment. TA of consumers in combination with TR is investigated for m-payment in Finland, Germany, the USA and Japan. We conduct an online survey to collect data in those four countries. We use that data to carry out a TA analysis using a structural equation model (SEM). The research model arises from the findings of a priori explorative study and a comprehensive literature review. Evaluation results based on an extended TA model (TAM) show that user acceptance of m-payment differs influenced by constructs.

Recommended Citation

Guhr, Nadine; Loi, Tai; Wiegard, Rouven; and Breitner, Michael H., "Technology Readiness in Customers’ Perception and Acceptance of M(obile)-Payment: An Empirical Study in Finland, Germany, the USA and Japan" (2013). Wirtschaftsinformatik Proceedings 2013. 8.
https://aisel.aisnet.org/wi2013/8