Earticle

초록

영어

Despite the growing amount of mobile peer-to-peer (P2P) payment applications available on mobile app stores, these applications are still in their infancy and have yet to see mass adoption. This study aims to explore the factors that influence the adoption of such mobile P2P payment applications by using a large-scale data set based on the tracking of users’ actual mobile application usage behavior. Our main findings reveal that the duration of each session that users use of traditional bank application has a significant relationship with their adoption of mobile P2P payment applications. In addition, we explore the social aspect of such mobile P2P payment applications by analyzing their social network applications usage and found that the amount of social network service applications used and usage duration positively impacted one’s adoption of mobile P2P payment applications. These findings have important theoretical and practical implications for stakeholders of mobile P2P payment solution providers as well as intermediaries/banks who provide their own payment applications to their customers.

목차

ABSTRACT
Ⅰ. Introduction
Ⅱ. Literature Review
Ⅲ. Research Model Development
3.1. Mobile Banking Usage and Mobile P2P Payment Adoption
3.2. Mobile SNS Usage and Mobile P2P Payment Adoption
3.3. Theoretical Model
3.4. Data
3.5 Empirical Model
Ⅳ. Model Estimation and Results
Ⅴ. Findings and Implications
5.1. Mobile Banking Usage and Mobile P2P Payment Adoption
5.2. Mobile SNS Usage and Mobile P2P Payment Adoption
5.3. Age, Marital Status, and mobile OS version, and Mobile P2P Payment Adoption
Ⅵ. Conclusion

저자

• Clement Jun Feng Lim [ M.S. Student, Korea University Business School, Korea University, Korea ]
• Byungwan Koh [ Associate Professor, Korea University Business School, Korea University, Korea ] Corresponding author
• Dongwon Lee [ Professor, Korea University Business School, Korea University, Korea ]

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