{"title":"新冠肺炎与移动支付扩散:未来大规模扩散和持续使用的经验教训","authors":"C. Coffie, E. Tetteh, A. Emuron, J. Darkwah","doi":"10.24840/2183-0606_010.001_0002","DOIUrl":null,"url":null,"abstract":"\n\n\nCovid-19 transformed mobile payment services (MPS) diffusion pattern globally. Consequently, the need to examine factors contributing to the diffusion rate of MPS in this era is substantiated. Thus, this study employs Structural Equation Model (SEM) with social media administered survey data to estimate the nexus between MPS diffusion and technological factors, non-technological factors, and environmental factors. Results suggest that although MPS diffusion increased globally, mobile payment services have the highest diffusion rate. This is because of convenience, availability, and cost. Further, technological, non-technological, and environmental factors all contribute positively to the high rate of diffusion. Environmental factors like an escalation in the Covid-19 cases, recommendations from the center for disease control positively mediates the relationship between MPS diffusion and non-technological factors. Thus, to encourage mass diffusion and continual usage of MPS during and after the pandemic, cost of usage, convenience, accessibility, and mobile-based applications should be bundled for optimized user experience.\n\n\n","PeriodicalId":33389,"journal":{"name":"Journal of Innovation Management","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2022-05-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"2","resultStr":"{\"title\":\"COVID-19 and Mobile Payment Diffusion: Lessons for Future Mass Diffusion and Continual Usage\",\"authors\":\"C. Coffie, E. Tetteh, A. Emuron, J. Darkwah\",\"doi\":\"10.24840/2183-0606_010.001_0002\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"\\n\\n\\nCovid-19 transformed mobile payment services (MPS) diffusion pattern globally. Consequently, the need to examine factors contributing to the diffusion rate of MPS in this era is substantiated. Thus, this study employs Structural Equation Model (SEM) with social media administered survey data to estimate the nexus between MPS diffusion and technological factors, non-technological factors, and environmental factors. Results suggest that although MPS diffusion increased globally, mobile payment services have the highest diffusion rate. This is because of convenience, availability, and cost. Further, technological, non-technological, and environmental factors all contribute positively to the high rate of diffusion. Environmental factors like an escalation in the Covid-19 cases, recommendations from the center for disease control positively mediates the relationship between MPS diffusion and non-technological factors. Thus, to encourage mass diffusion and continual usage of MPS during and after the pandemic, cost of usage, convenience, accessibility, and mobile-based applications should be bundled for optimized user experience.\\n\\n\\n\",\"PeriodicalId\":33389,\"journal\":{\"name\":\"Journal of Innovation Management\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2022-05-02\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"2\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of Innovation Management\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.24840/2183-0606_010.001_0002\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"Engineering\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Innovation Management","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.24840/2183-0606_010.001_0002","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"Engineering","Score":null,"Total":0}
COVID-19 and Mobile Payment Diffusion: Lessons for Future Mass Diffusion and Continual Usage
Covid-19 transformed mobile payment services (MPS) diffusion pattern globally. Consequently, the need to examine factors contributing to the diffusion rate of MPS in this era is substantiated. Thus, this study employs Structural Equation Model (SEM) with social media administered survey data to estimate the nexus between MPS diffusion and technological factors, non-technological factors, and environmental factors. Results suggest that although MPS diffusion increased globally, mobile payment services have the highest diffusion rate. This is because of convenience, availability, and cost. Further, technological, non-technological, and environmental factors all contribute positively to the high rate of diffusion. Environmental factors like an escalation in the Covid-19 cases, recommendations from the center for disease control positively mediates the relationship between MPS diffusion and non-technological factors. Thus, to encourage mass diffusion and continual usage of MPS during and after the pandemic, cost of usage, convenience, accessibility, and mobile-based applications should be bundled for optimized user experience.