What Drives Consumers to Adopt Mobile Payment Apps in the Post-COVID-19 Scenario

IF 4.5 3区管理学 Q1 INFORMATION SCIENCE & LIBRARY SCIENCE

Journal of Global Information Management Pub Date : 2023-10-25 DOI:10.4018/jgim.332799

Debarun Chakraborty, Prashant Mehta, Ganesh Dash, Nusrat Khan, Ravi Kumar Jain, Debasish Biswas

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引用次数: 0

Abstract

The study aimed to use the Stimulus-Organism-Response (S-O-R) framework to investigate the connection between personal safety, digital literacy, and social influence on the adoption of m-payment apps in the post-COVID-19 scenario. The study adopts a mixed-method approach. Initially, semi-structured are conducted to identify the constructs. Subsequently, empirical analysis is carried out to establish the relationship between different constructs. In the framework of the present investigations, personal safety, digital literacy, and social influence as stimuli (S) that affect an individual's openness to change, which acts as organism (O), and in turn, it expresses an individual's willingness to adopt the services of m-payment apps (R). Through structural equation modeling, responses from 429 consumers are used to evaluate a model incorporating the S-O-R framework with mediator, moderator, and control variables. The results showed a positive and significant relationship between personal safety, social influence, digital literacy, and m-payment adoption. Openness to change partially mediated all the associations, while user involvement moderated the associations between digital literacy, openness to change, and m-payment adoption. One of the study's primary contributions is applying the S-O-R model in this context, along with mediating and moderating the influence of openness to change and user involvement. The study's results enrich our understanding of consumer behavior and actual practices post-COVID-19.

查看原文本刊更多论文

在后covid -19时代，是什么驱使消费者采用移动支付应用程序

该研究旨在使用刺激-有机体-反应(S-O-R)框架来调查在covid -19后的情况下，个人安全、数字素养和社会影响对移动支付应用程序采用之间的联系。本研究采用混合方法。最初，进行半结构化以识别构造。随后进行实证分析，建立不同构念之间的关系。在本研究的框架中，个人安全、数字素养和社会影响作为刺激因素(S)影响个人对变化的开放程度，而个人对变化的开放程度作为有机体(O)，反过来，它表达了个人采用移动支付应用程序服务的意愿(R)。通过结构方程模型，使用429名消费者的回应来评估将S-O-R框架与中介、调节和控制变量相结合的模型。结果显示，个人安全、社会影响力、数字素养和移动支付采用之间存在显著的正相关关系。对变化的开放程度部分地调节了所有关联，而用户参与调节了数字素养、对变化的开放程度和移动支付采用之间的关联。该研究的主要贡献之一是在此背景下应用S-O-R模型，以及中介和调节对变化的开放性和用户参与的影响。研究结果丰富了我们对covid -19后消费者行为和实际做法的理解。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Global Information Management INFORMATION SCIENCE & LIBRARY SCIENCE-

CiteScore

5.80

自引率

14.90%

发文量

118

期刊介绍： Authors are encouraged to submit manuscripts that are consistent to the following submission themes: (a) Cross-National Studies. These need not be cross-culture per se. These studies lead to understanding of IT as it leaves one nation and is built/bought/used in another. Generally, these studies bring to light transferability issues and they challenge if practices in one nation transfer. (b) Cross-Cultural Studies. These need not be cross-nation. Cultures could be across regions that share a similar culture. They can also be within nations. These studies lead to understanding of IT as it leaves one culture and is built/bought/used in another. Generally, these studies bring to light transferability issues and they challenge if practices in one culture transfer.