Mobile Payment: An Exploratory Study of Customer Attitudes

Mobile payment is an application of mobile commerce which facilitates mobile commerce transactions by providing the mobile customer with a convenient means to pay. The paper presents the results of an exploratory study, which develops a research framework of constructs and relationships derived from existing models, and applies in order to explore empirically mobile payment (mPayment) adoption. Data are analyzed with respect to a set of hypothesized relationships between the framework constructs. The study demonstrates that the degree to which customers have been familiar with mPayment and their general awareness of the service may affect their attitude towards it. The results also show that both demographic characteristics such as income and lifestyle characteristics such as mobile phone spending may play a significant role as moderating factors in the relationships studied. The study contributes to the understanding of the dynamics of mPayment adoption in the context of the sample, and identifies avenues for future work in the area.