Switching behaviors in peer-to-peer mobile payment applications: the role of sociability

Q2 Computer Science

Journal of Systems and Information Technology Pub Date : 2023-12-14 DOI:10.1108/jsit-05-2023-0082

Xuan Tai Mai, Trang Nguyen

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引用次数: 0

Abstract

Purpose Using features of social media, peer-to-peer (P2P) mobile payment enables users to foster social interaction every time transactions are made. Given the increasing popularity of social features in P2P mobile payment applications, it is worth understanding how these components contribute to users’ switching behavior between conventional mobile payment and P2P mobile payment services. By treating sociability of P2P mobile payment as a pull factor, this study aims to extend the push–pull–mooring framework in the context of P2P mobile payment. Design/methodology/approach A questionnaire survey was conducted to obtain data. Respondents from the USA were exclusively selected due to the emerging number of P2P mobile payment users and the volume of transactions in this country. Based on a sample of 232 Amazon Mechanical Turk mobile payment users, the authors tested the hypotheses using the partial least squares structural equation model technique with SmartPLS software version 3. Findings The finding reveals that sociability is triggered by social presence, social benefit and social support within the P2P mobile payment platform. Moreover, dissatisfaction with perceived enjoyment of conventional mobile payment (push factor), customer innovativeness (mooring factor) and sociability of P2P mobile payment (pull factor) jointly influence users’ intention to switch to P2P mobile payment services, and subsequently drive their migration behavior. Originality/value Unlike past research that mainly focuses on utilitarian-related factors, to the best of the authors’ knowledge, this study is among the first to thoroughly examine the sociability features of P2P mobile payment service as a form of a social-centric system.

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点对点移动支付应用中的转换行为：社交性的作用

目的利用社交媒体的特点，点对点（P2P）移动支付使用户在每次交易时都能促进社交互动。鉴于社交功能在 P2P 移动支付应用中越来越受欢迎，我们有必要了解这些功能是如何促使用户在传统移动支付和 P2P 移动支付服务之间进行转换的。通过将 P2P 移动支付的社交性视为拉动因素，本研究旨在扩展 P2P 移动支付背景下的 "推-拉-移动 "框架。由于美国的 P2P 移动支付用户数量和交易量不断上升，因此专门选择了美国的受访者。基于 232 位亚马逊 Mechanical Turk 移动支付用户的样本，作者使用 SmartPLS 软件版本 3 的偏最小二乘法结构方程模型技术对假设进行了检验。研究结果研究结果表明，社交性是由 P2P 移动支付平台中的社交存在、社交利益和社交支持引发的。此外，对传统移动支付的感知享受的不满（推动因素）、客户创新性（停泊因素）和 P2P 移动支付的社交性（拉动因素）共同影响了用户转向 P2P 移动支付服务的意向，进而推动了他们的迁移行为。

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 Systems and Information Technology Computer Science-Computer Science (all)

CiteScore

4.40

自引率

0.00%

发文量

期刊介绍： The Journal provides an avenue for scholarly work that researches systems thinking applications, information systems, electronic business, data analytics, information sciences, information management, business intelligence, and complex adaptive systems in the application domains of the business environment, health, the built environment, cultural settings, and the natural environment. Papers examine the wider implications of the systems or technology being researched. This means papers consider aspects such as social and organisational relevance, business value, cognitive implications, social implications, impact on individuals or community perspectives, and the development of solutions, rather than focusing solely on the technology. The Journal of Systems and Information Technology is open to a wide range of research methodologies and paper styles including case studies, surveys, experiments, review papers, design science, design thinking and both theoretical and methodological papers. The focus of the journal will be to publish work that fits into the following broad areas of research: Behavioural Information Systems and Human-Computer Interaction, Data Analytics, Data, Information and Security, E-Business, Intelligent Systems and Applications, Logistics and Supply Chain Management/Optimisation, Social Media Analysis, Technology Enhanced Learning.