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Factors Influencing Mobile Phone Pay...

Hofer, Stephanie S.

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Factors Influencing Mobile Phone Payment Processing Adoption among Digital and Non-digital Natives: A Correlation Study.

Record Type:	Electronic resources : Monograph/item
Title/Author:	Factors Influencing Mobile Phone Payment Processing Adoption among Digital and Non-digital Natives: A Correlation Study./
Author:	Hofer, Stephanie S.
Published:	Ann Arbor : ProQuest Dissertations & Theses, : 2018,
Description:	165 p.
Notes:	Source: Dissertation Abstracts International, Volume: 79-10(E), Section: B.
Contained By:	Dissertation Abstracts International79-10B(E).
Subject:	Information technology. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10827773
ISBN:	9780438075337

Factors Influencing Mobile Phone Payment Processing Adoption among Digital and Non-digital Natives: A Correlation Study.
Hofer, Stephanie S.

Factors Influencing Mobile Phone Payment Processing Adoption among Digital and Non-digital Natives: A Correlation Study. - Ann Arbor : ProQuest Dissertations & Theses, 2018 - 165 p.

Source: Dissertation Abstracts International, Volume: 79-10(E), Section: B.

Thesis (Ph.D.)--Capella University, 2018.

This item is not available from ProQuest Dissertations & Theses.

The present study was undertaken to examine how the intrinsic and extrinsic factors in the unified theory of acceptance and use of technology 2 model (UTAUT2) influence mobile phone payment technology adoption among digital natives and non-digital natives in the United States. Intrinsic factors included users' expectations regarding the performance of mobile phone payment processing systems, the effort required to use the systems, users' level of satisfaction when using the systems, and users' habits related to payment processing. Extrinsic factors included social attitudes toward mobile payment systems, the stability of the organizational and technical infrastructures of the systems, system-related privacy, and perceived levels of data security when processing a payment via a mobile phone. A nonexperimental, correlational research design was used to explore the relationships between the variables. A cross-sectional survey was administered to a total of 114 adult digital native and non-digital native mobile phone users in the US ranging in age from 21--64. Digital natives were defined as individuals born after 1980, and non-digital natives were defined as individuals born before 1980. The survey data were analyzed using Pearson's partial correlation and a bivariate Pearson's correlation. Nearly all of the intrinsic and extrinsic factors associated with the extended UTAUT2 model were found to be significantly and positively related to users' behavioral intentions to adopt mobile phone payment processing technology. The linear relationships between the extended UTAUT2's intrinsic and extrinsic factors and users' behavioral intentions to adopt mobile phone payment technologies were significant when controlling for age, supporting the conclusion that digital natives and non-digital natives differed significantly in relation to the factors contributing to their mobile phone usage. While the method of analysis did not allow the researcher to identify the nature of the differences between the two groups, the study's findings indicated that users were more likely to adopt mobile phone payment technologies if the technology was perceived as easy and fun to use, if users believed that the payment processing systems were socially important and would function as expected, and if users believed that mobile payment processing was a secure and effective way to make a payment. The practical implications of the findings mean that to encourage users to process payments via their mobile phones, businesses and organizations soliciting mobile payments should develop easy-to-use systems that are secure, effective, and functional. The results also suggest that mobile payments may be more effective avenues for game designers and nonprofit organizations seeking donations for causes with high social value.

ISBN: 9780438075337Subjects--Topical Terms:

532993
Information technology.

Factors Influencing Mobile Phone Payment Processing Adoption among Digital and Non-digital Natives: A Correlation Study.
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