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Article

Mobile Payment: The Hiding Impact of Learning Costs on User Intentions

1
Departamento de Comercialización e Investigación de Mercados, University of Murcia, Murcia, Spain
2
Departamento de Organización de Empresas y Finanzas, University of Murcia, Murcia, Spain
3
Faculty Technology, Policy and Management, Delft University of Technology, Delft, The Netherlands
J. Theor. Appl. Electron. Commer. Res. 2020, 15(1), 1-12; https://doi.org/10.4067/S0718-18762020000100102
Submission received: 6 July 2018 / Revised: 8 October 2018 / Accepted: 7 January 2019 / Published: 1 January 2020

Abstract

This study analyzes how learning costs for technologies that lack de facto standards, such as mobile payment, affect user intentions. In addition, we evaluate how the negative effect of learning costs is mediated by perceived functional value and facilitating conditions. Data used in this research was obtained from a study among 463 consumers. We find support that negative effects from learning costs are fully mediated by perceived functional value and facilitating conditions. Hence, one important reason of slow user acceptance is that the high diversity mobile payment services, platforms and technologies increases the learning costs of users. The results pose important implications for managers willing to increase the acceptance of mobile payment.
Keywords: Mobile payment; Perceived functional value; Facilitating conditions; Learning costs; Intention to use Mobile payment; Perceived functional value; Facilitating conditions; Learning costs; Intention to use

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MDPI and ACS Style

Molina-Castillo, F.-J.; Lopez-Nicolas, C.; de Reuver, M. Mobile Payment: The Hiding Impact of Learning Costs on User Intentions. J. Theor. Appl. Electron. Commer. Res. 2020, 15, 1-12. https://doi.org/10.4067/S0718-18762020000100102

AMA Style

Molina-Castillo F-J, Lopez-Nicolas C, de Reuver M. Mobile Payment: The Hiding Impact of Learning Costs on User Intentions. Journal of Theoretical and Applied Electronic Commerce Research. 2020; 15(1):1-12. https://doi.org/10.4067/S0718-18762020000100102

Chicago/Turabian Style

Molina-Castillo, Francisco-Jose, Carolina Lopez-Nicolas, and Mark de Reuver. 2020. "Mobile Payment: The Hiding Impact of Learning Costs on User Intentions" Journal of Theoretical and Applied Electronic Commerce Research 15, no. 1: 1-12. https://doi.org/10.4067/S0718-18762020000100102

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