An integrated model predicting the drivers of mobile payment outcomes: evidence from emerging markets

IF 3.8 Q2 BUSINESS

EuroMed Journal of Business Pub Date : 2023-11-07 DOI:10.1108/emjb-02-2023-0046

Mohamed M. Elsotouhy, Abdelkader M.A. Mobarak, Mona I. Dakrory, Mohamed A. Ghonim, Mohamed A. Khashan

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引用次数: 0

Abstract

Purpose Because the success of m-payment services depends on the enablers and barriers that affect user satisfaction, the present research explores the effects of perceived value and sacrifices on users' satisfaction with m-payment services. The predicted relationships among perceived value, perceived sacrifices, users' satisfaction, continuance intention, word-of-mouth (WOM), shopping effectiveness, quality of life (QOL) and stickiness were established based on the mobile technology acceptance model (MTAM) and the value-based adoption model (VAM). Design/methodology/approach A representative data sample of 430 Egyptian banking clients was analyzed to test the hypotheses using partial least squares-structural equation modeling (PLS-SEM). Findings The findings revealed that all perceived value constructs significantly positively affect users' satisfaction. Moreover, all perceived sacrifice constructs significantly negatively affect users' satisfaction. Users' satisfaction, in turn, has a significant positive effect on continuance intention, WOM, shopping effectiveness, QOL and stickiness with m-payment services. Originality/value This is the first study to examine several levels of m-payment outcomes, including m-payment, consumer and bank outcomes, based on the integration of MTAM and VAM models.

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预测移动支付结果驱动因素的综合模型:来自新兴市场的证据

由于移动支付服务的成功取决于影响用户满意度的因素和障碍，本研究探讨了感知价值和牺牲对移动支付服务用户满意度的影响。基于移动技术接受模型(MTAM)和基于价值的采用模型(VAM)建立感知价值、感知牺牲、用户满意度、延续意愿、口碑、购物效果、生活质量和粘性之间的预测关系。设计/方法/方法对430个埃及银行客户的代表性数据样本进行分析，使用偏最小二乘结构方程模型(PLS-SEM)来检验假设。研究结果显示，所有感知价值建构对使用者满意度有显著的正向影响。此外，所有感知牺牲结构对用户满意度都有显著的负向影响。用户满意度对移动支付服务的延续意愿、口碑、购物效果、生活质量和粘性有显著的正向影响。这是第一个基于MTAM和VAM模型的整合，研究移动支付结果的几个层次，包括移动支付、消费者和银行结果的研究。

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

EuroMed Journal of Business BUSINESS-

CiteScore

9.80

自引率

19.20%

发文量

期刊介绍： The EuroMed Journal of Business (EMJB) is the premier publication facilitating dialogue among researchers from Europe and the Mediterranean. It plays a vital role in generating and disseminating knowledge about various business environments and trends in this region. By offering an up-to-date overview of emerging business practices in specific countries, EMJB serves as a valuable resource for its readers. As the official journal of the EuroMed Academy of Business, EMJB is committed to reflecting the economic growth seen in the European-Mediterranean region. It aims to be a focused and targeted business journal, highlighting environmental opportunities, threats, and marketplace developments in the area. Through its efforts, EMJB promotes collaboration and open dialogue among diverse research cultures and practices. EMJB serves as a platform for debating and disseminating research findings, new research areas and techniques, conceptual developments, and practical applications across various business segments. It seeks to provide a forum for discussing new ideas in business, including theory, practice, and the issues that arise within the field.