Go Digital! Determinants of Continuance Usage of Mobile Payment Apps: Focusing on the Mediating Role of Gamification

IF 2.4 Q2 INFORMATION SCIENCE & LIBRARY SCIENCE
G. Malik, Dharmendra Singh
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引用次数: 0

Abstract

Background: COVID-19 spread over the last two years has been instrumental in shifting physical banking transactions to mobile-based banking transactions. Recently, M-payments have dominated online and point-of-sale (POS) transactions in the Asia-pacific region. Therefore, there was a need to study the factors influencing M-payments. This research has been conducted to determine the significant factors influencing the usage and continuance usage of M-payment apps in an emerging country and particularly how gamified features enhance the usage of M-payments apps.is study is based on the perspectives of the Unified theory of acceptance and use of technology (UTAUT2) and information system success (ISS) theory, and it adds three new determinants—trust, gamified features, and continued use of mobile payments to better explain and forecast users' behavioral intentions and continued use of mobile payment applications (M-payments apps). Method: The research has employed two studies on sample data from young users of M-payment apps (n=898), the dataset was analyzed through structural equation modelling for mediation and moderation analysis in study one. The second study was grounded through Vignette experiments to analyze the effects of the degree of gamified features on the continued usage of M-payments. Results: The results reported that behavioral intention to adopt, and usage of mobile payments are significantly mediated by gamified features and gamified features are partially mediating continuance usage of M-payments. Trust is the key to enabling continuance usage amongst the users of M-payments. These findings extend the understanding of users’ continuance intention in the context of payments apps. Conclusion: This study would be helpful in presenting insights for the M-payments service providers and the associated banks to develop strategy for the continuance usage of mobile payment apps.
数字!移动支付应用持续使用的决定因素:关注游戏化的中介作用
背景:过去两年,COVID-19疫情的蔓延推动了实体银行交易向移动银行交易的转变。最近,移动支付已经主导了亚太地区的在线和销售点(POS)交易。因此,有必要对移动支付的影响因素进行研究。本研究旨在确定影响移动支付应用程序在新兴国家使用和持续使用的重要因素,特别是游戏化功能如何增强移动支付应用程序的使用。该研究基于技术接受和使用统一理论(UTAUT2)和信息系统成功理论(ISS)的观点,并增加了三个新的决定因素——信任、游戏化特征和持续使用移动支付,以更好地解释和预测用户的行为意图和持续使用移动支付应用程序(移动支付应用程序)。方法:本研究采用两项研究,样本数据来自移动支付应用的年轻用户(n=898),研究一采用结构方程模型对数据集进行中介和调节分析。第二项研究是通过Vignette实验来分析游戏化功能程度对移动支付持续使用的影响。结果:游戏化功能显著调节移动支付的行为意愿和使用,游戏化功能部分调节移动支付的持续使用。信任是移动支付用户持续使用的关键。这些发现扩展了对支付应用背景下用户继续使用意愿的理解。结论:本研究将有助于为移动支付服务提供商和相关银行制定持续使用移动支付应用程序的策略提供见解。
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
CiteScore
4.10
自引率
33.30%
发文量
0
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