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Replacing physical wallets : a study expanding UTAUT2 to examine m-payment adoption among Dutch consumers.

Taselaar, E. (2020) Replacing physical wallets : a study expanding UTAUT2 to examine m-payment adoption among Dutch consumers.

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Abstract:The rise of mobile devices and FinTech (financial technology) solutions has an impact on consumer payment methods. Physical wallets make way for mobile banking and other innovative payment alternatives. These developments might offer opportunities for organizations to gain competitive advantage. Nowadays the Dutch market is showing a positive trendline towards mobile banking. However, while the adoption of mobile payment (m-payment) is seen as one of the most promising mobile banking services, acceptance among Dutch consumers falls short of expectations. According to literature, cultural differences and the challenging process of the adoption of m-payment technologies could be predictors for low m-payment adoption. Although m-payment services are technically developed and accessible in the Netherlands, adoption is not forthcoming. This study examined the factors influencing the adoption of m-payment among Dutch consumers using the UTAUT2 model. Even though the model is widely used for research, it also has its limitations of focusing on technologies in general. The addition of constructs related to the adoption of m-payment among Dutch consumers is never examined. Dutch financial institutions are nowadays most important players on the m-payment market. However, worldwide operating non-financial companies as Apple and Google become important entrants in the field. Considering the promising opportunities of the m-payment technology and the fast developments of non-financial multinationals, it is of critical importance for practitioners and scholars in the Netherlands to get an understanding of the discrepancies between the opportunities and adoption efforts. The aim of this study is to examine the factors influencing m-payment adoption among Dutch consumers.
Item Type:Essay (Master)
Faculty:BMS: Behavioural, Management and Social Sciences
Subject:05 communication studies
Programme:Communication Studies MSc (60713)
Link to this item:http://purl.utwente.nl/essays/81789
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