{"title":"Investigating M-Payment Intention across Consumer Cohorts","authors":"Amonrat Thoumrungroje, Lokweetpun Suprawan","doi":"10.3390/jtaer19010023","DOIUrl":null,"url":null,"abstract":"This study investigates the widespread adoption of mobile payments (m-payments) and their impact on different generations, particularly post-COVID-19. We fill a gap in research by suggesting a new way to understand this phenomenon through the lens of social cognitive theory. We employed a multi-stage sampling technique, including purposive, quota, and snowball sampling, to ensure comparable group sizes for four generations and obtained usable survey data from 716 Thai online shoppers. The results reveal direct and indirect (through perceived values) significant relationships between technological self-efficacy and m-payment intention. While perceived values, which constitute functional, emotional, monetary, and social values, fully mediate the relationship between technological self-efficacy and m-payment intention in Gen B and Gen X consumers, it only partially mediates such a relationship in the Gen Y and Gen Z cohorts. Our findings also provide crucial theoretical and practical insights for digital commerce in the evolving landscape of m-payment adoption.","PeriodicalId":46198,"journal":{"name":"Journal of Theoretical and Applied Electronic Commerce Research","volume":null,"pages":null},"PeriodicalIF":5.1000,"publicationDate":"2024-02-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Theoretical and Applied Electronic Commerce Research","FirstCategoryId":"91","ListUrlMain":"https://doi.org/10.3390/jtaer19010023","RegionNum":3,"RegionCategory":"管理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"BUSINESS","Score":null,"Total":0}
引用次数: 0
Abstract
This study investigates the widespread adoption of mobile payments (m-payments) and their impact on different generations, particularly post-COVID-19. We fill a gap in research by suggesting a new way to understand this phenomenon through the lens of social cognitive theory. We employed a multi-stage sampling technique, including purposive, quota, and snowball sampling, to ensure comparable group sizes for four generations and obtained usable survey data from 716 Thai online shoppers. The results reveal direct and indirect (through perceived values) significant relationships between technological self-efficacy and m-payment intention. While perceived values, which constitute functional, emotional, monetary, and social values, fully mediate the relationship between technological self-efficacy and m-payment intention in Gen B and Gen X consumers, it only partially mediates such a relationship in the Gen Y and Gen Z cohorts. Our findings also provide crucial theoretical and practical insights for digital commerce in the evolving landscape of m-payment adoption.
本研究调查了移动支付（m-payments）的广泛应用及其对不同世代的影响，尤其是在 COVID-19 之后。我们通过社会认知理论的视角，提出了一种理解这一现象的新方法，从而填补了研究空白。我们采用了多阶段抽样技术，包括目的性抽样、配额抽样和滚雪球抽样，以确保四代人的群体规模具有可比性，并从 716 名泰国网上购物者那里获得了可用的调查数据。结果显示，技术自我效能感与移动支付意向之间存在直接和间接（通过感知价值）的显著关系。感知价值包括功能价值、情感价值、金钱价值和社会价值，它在 B 代和 X 代消费者中完全调节了技术自我效能感与移动支付意向之间的关系，但在 Y 代和 Z 代消费者中仅部分调节了这种关系。我们的研究结果还为数字商务在不断发展的移动支付应用环境中提供了重要的理论和实践启示。
期刊介绍：
The Journal of Theoretical and Applied Electronic Commerce Research (JTAER) has been created to allow researchers, academicians and other professionals an agile and flexible channel of communication in which to share and debate new ideas and emerging technologies concerned with this rapidly evolving field. Business practices, social, cultural and legal concerns, personal privacy and security, communications technologies, mobile connectivity are among the important elements of electronic commerce and are becoming ever more relevant in everyday life. JTAER will assist in extending and improving the use of electronic commerce for the benefit of our society.
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