Tan, Kim-Lim, Leong, Choi Meng, and Richter, Nicole Franziska (2024) Navigating Trust in Mobile Payments: Using Necessary Condition Analysis to Identify Must-Have Factors for User Acceptance. International Journal of Human-Computer Interaction. (In Press)

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Abstract

Drawing upon the mobile technology acceptance model (MTAM), this study addresses this conspicuous gap by identifying the necessary conditions for fostering trust and usage intention of mobile payment (m-payment) gateways. Data collected from 218 users of mobile-payment from Malaysia were analyzed using partial least squares structural equation modeling (PLS-SEM) to identify the should-have factors for perceived trust and intention to use mobile payment gateways. In addition, necessary condition analyses (NCA) are utilized to identify the must-have factors for perceived trust and intention to use mobile payment gateways. Results revealed that other factors of mobile usefulness, perceived security, and user mobility explained perceived trust except for mobile ease of use. In turn, mobile usefulness, user mobility, perceived security, mobile ease of use, and perceived trust established a positive relationship with intention to use. The NCA complemented these results showing that mobile usefulness, mobile ease of use, and user mobility qualified as necessary and sufficient conditions for perceived trust with medium-sized effect and mobile usefulness is qualified as a medium-sized necessary and sufficient condition for intention to use. This is the first few article that extends earlier literature by offering arguments on the different aspects of MTAM. By using NCA, we provide theoretical and methodological evidences, we identify which are the essential ones that enhances trust and usage.

Item ID:	83038
Item Type:	Article (Research - C1)
ISSN:	1532-7590
Copyright Information:	© 2024 The Author(s). Published with license by Taylor & Francis Group, LLC This is an Open Access article distributed under the terms of the Creative Commons Attribution-NonCommercial License (http://creativecommons.org/licenses/by-nc/4.0/), which permits unrestricted non-commercial use, distribution, and reproduction in any medium, provided the original work is properly cited. The terms on which this article has been published allow the posting of the Accepted Manuscript in a repository by the author(s) or with their consent.
Date Deposited:	01 Jul 2024 22:57
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