I fattori di adozione del mobile payment. Prime evidenze empiriche nel settore dei trasporti pubblici della città di Milano

Author/s Niccolò Gordini, Elisa Rancati
Publishing Year 2016 Issue 2015/3
Language Italian Pages 0 P. 483-498 File size 440 KB
DOI 10.3280/ED2015-003006
DOI is like a bar code for intellectual property: to have more infomation click here

Below, you can see the article first page

If you want to buy this article in PDF format, you can do it, following the instructions to buy download credits

Article preview

FrancoAngeli is member of Publishers International Linking Association, Inc (PILA), a not-for-profit association which run the CrossRef service enabling links to and from online scholarly content.

In recent years, exploring factors that influence the consumer adoption of mobile payment has received increasing attention by academics and practitioners. Understanding the determinants of consumer acceptance of mobile payment will provide important theoretical contributions to the topic and lead to the development of more effective mobile payment devices and systems. This paper aims to increase the knowledge in this area of research trying to identify the main factors that influence the consumer adoption of mobile payment in local public transport services. We collect data by a sample of 3,510 consumers of the local public transport in Milan and we analyze them using multiple regression. Our results show that 1. the ease of use and usefulness of these system of payment and the presence of other distribution channels are key variables influencing the adoption; 2. the perceived risk is a barrier to adoption; 3. the cost does not have significant impact.

Keywords: Mobile payment, mobile payment adoption, local public transport.

Jel codes: M00, M3, R4.

  1. Al-Dala’in, T., Luo, S., Summons, P. e Colyvas, K., Evaluating the utilisation of mobile devices in online payments from the consumer perspective, in «Journal of Information Technology. Communication and Convergence», 5, 2, pp. 7-16, 2010.
  2. Anckar, B. e D’Incau, D., Value creation in mobile commerce: findings from a consumer survey, in «Journal of Information Technology Theory Applications», 4, pp. 43-64, 2002.
  3. Arvidsson, N., Consumer attitudes on mobile payment service – results from a proof of concept test, in «International Journal of Bank Marketing», 32, 2, pp. 123-145, 2013.
  4. Bamasak, O., Exploring consumers acceptance of mobile payments – an empirical study, in «International Journal of Information Technology, Communications and Convergence», 1, 2, pp. 172-185, 2011.
  5. Carlo, R.W., The increasing adoption of mobile payments in Europe and remaining challenges to growth, in «Journal of Payments Strategy and Systems», 5, 3, pp. 164-176, 2011.
  6. Chen, L.D., A model of consumer acceptance of mobile payment, in «International Journal of Mobile Communications», 6, 1, pp. 32-52, 2008.
  7. Chi Po Cheong, S.F., Lei, P., Efficient and secure card-based payment system based on ansi, International Conference on E-commerce technology and the 4th IEEE International Conference on Enterprise Computing, E-commerce, and E-services, pp. 247-254, 2007.
  8. Dahlberg, T., Mallat, N., Ondrus, J. e Zmijewska, A., Past, present and future of mobile payment research: a literature review, Electronic commerce research and applications, 7, 2, pp. 165-181, 2008.
  9. Davis, F., Perceived usefulness, perceived ease of use, and user acceptance of information technology, in «MIS Quarterly», 13, 3, pp. 319-40, 2008.
  10. Davis, F.D., Bagozzi, R.P., Warshaw, P.R., User acceptance of computer-technology. A comparison of two theoretical models, in «Management Science», 35, pp. 982-1005, 2007.
  11. Dey, A.K., Abowd, G.D., Salber, D., A conceptual framework and a toolkit for supporting the rapid prototyping of context aware applications, in «Human Computing Interactive », 16, pp. 97-166, 2001.
  12. Harrison, S., Dourish, P., Re-placing space: the roles of place and space in collaborative systems, Proceedings of CSCW’96, Boston, 1996.
  13. Herzberg, A., Payments and banking with mobile personal devices, in «Communications of ACM», 46, pp. 53-58, 2003.
  14. Hirshman, E.C., Situational perception of product prototypes within the product class of consumer payment systems, in «Journal of General Psycology», 106, pp. 123-140, 1982.
  15. Ho, H., Fong, S. e Yan, Z., User acceptance testing of mobile payment in various scenarios, Proceedings of 2008 IEEE International conference on E-business Engineering, pp. 341-348, 2008. Kim C., Mirusmonov M., Lee, I., An empirical examination of factors influencing the intention to use mobile payment, in «Computers in Human Behaviour», 26, 3, pp. 310-322, 2010.
  16. Lee, M.S.Y., McGoldrick, P.J., Keeling, K.A., Doherty, J., Using ZMET to explore barriers to the adoption of 3G mobile banking services, in «International Journal of Retailing and Distribution Management» 31, pp. 340-348, 2003.
  17. Legris, P., Ingham, J., Collerette, P., Why Do People Use Information Technology? A Critical Review Of The Technology Acceptance Model, in «Information & Management », 40, pp. 191- 204, 2003.
  18. Mallat, N., Rossi, M., Tuunainen, V.K., Oorni, A., Exploring consumer adoption of mobile payments – A qualitative study, in «Pers Ubiquit Comput», 12, pp. 57-65, 2008.
  19. Manocheri, N. e AlHindi, Y., Mobile phone users attitude towards mobile commerce and services in the gulf cooperation council countries: case study, Proceedings of the 2008 International Conference on Service Systems and Management, pp. 1-6, 2008.
  20. Perry, M., O’hara, K., Sellen, A., Brown, B. e Harper, R., Dealing with mobility: understanding access anytime, anywhere, in «ACM Trans Comput-Human Interaction », 8, pp. 323-347, 2001.
  21. Rencher, A., Methods of multivariate analysis, New York, Wiley, 2002.
  22. Sharp, J.H., Development, extension, and application: a review of the technology acceptance model, in «Information System Education Journal», 5, pp. 1-11, 2007.
  23. Slade, L.E., Williams, D. e Dwivedi, K., Mobile Payment Adoption: classification and review of the extant literature, in «The Marketing Review», 13, 2, 2013.
  24. Sleeper, S., Can M-commerce ride Wi-fi coattails? E-commerce times, special reports, November (www.ecommercetimes.com), 2002.
  25. Stafford, T.F. e Gilleson, M. L., Mobile commerce: what is and what it could be, in «Communications of ACM», 46, pp. 33-34, 2003.
  26. Teo, T.S.H. e Pok, S.H., Adoption of WAP enabled mobile phones among Internet users, in «Omega», 31, pp. 483-498, 2003.
  27. Venkatesh, V. e Davis, F., A Model of the Antecedents of Perceived Ease of Use: Development and Test, in «Decision Sciences», 27, pp. 451-481, 1996.
  28. Weichert, M., Payments innovation: A comparison of banks and non-banks and how they can learn from each other, in «Journal of Payments Strategy & Systems», 2, 3, pp. 236-249, 2008.
  29. Wendel, S. e Dellaert, B.G.C., Situation variation in consumers’ media channel consideration, in «Journal of Academy Market Science», 33, pp. 575-584, 2005.
  30. Yousafzai, S.Y., Foxall, G.R. e Pallister, J.G., Technology acceptance: a meta-analysis of the TAM: Part 1, in «Journal of Modelling in Management», 2, 3, pp. 251-280, 2007.
  31. Pagani, M., L’influenza dei fattori contestuali sull’usabilità percepita dei terminali mobile, in «Finanza marketing e produzione», 1, 2011.
  32. Rancati, E. e Gordini, N., Driving consumer acceptance of location-based services in mobile applications: A theoretical framework and an empirical study, Conference Proceedings del 18° Toulon-Verona International Conference “Excellence in Services”, Palermo, 31 Agosto – 1 Settembre, 2015.
  33. Smith, A.D., Mobile technology and communications: exploring aspects of Customer Relationship Management, in «International Journal of Mobile Communications», 5, 6, pp. 618-636, 2007

  • An empirical analysis of “corporate Italy”: Legal entities, financial and ownership structure and corporate governance 2004-2012 Carlo Bellavite Pellegrini, in Corporate Ownership and Control /2013 pp.117
    DOI: 10.22495/cocv10i4art9

Niccolò Gordini, Elisa Rancati, I fattori di adozione del mobile payment. Prime evidenze empiriche nel settore dei trasporti pubblici della città di Milano in "ECONOMIA E DIRITTO DEL TERZIARIO " 3/2015, pp 483-498, DOI: 10.3280/ED2015-003006