A Scenario-Based Analysis of Mobile Payment Acceptance

Abstract

In recent years, a lot of mobile payment service providers entered the market and often left it without any success. They have often disregarded the high complexity of the ecosystem and of the particularities of mobile communication techniques. The contribution of this paper is to understand the determinants of customer acceptance of mobile payment especially the influence of payment scenarios. For that purpose, the Technology Acceptance Model (TAM) was extended by new constructs measuring the m-payment particularities like expressiveness and the applicability in different payment scenarios.