Acceptance of or resistance to facial recognition payment: A systematic review

Abstract

With increasing evidence supporting the use of biometric identification methods for authentication, this study aims to enhance our understanding of the factors influencing the acceptance of and resistance to facial recognition payment (FRP) systems. To provide a comprehensive review of these factors, we conducted a systematic literature review (SLR) of empirical studies. We examined 22 key research articles from an initial pool of 1372 publications, identifying 37 factors that influence consumer acceptance or resistance to FRP. These factors were categorized into usage-related aspects, attitudes and evaluations, user-related traits, privacy and security concerns, and other factors. Our findings reveal that the most frequently cited factors include performance expectancy, effort expectancy, perceived usefulness, and perceived ease of use. These factors are crucial in contexts where FRP can increase productivity by providing prompt information and effective assistance. This research proposes a collective model for understanding the determinants of FRP acceptance or resistance, integrating theoretical frameworks and empirical findings. The model emphasizes the context-dependency of user acceptance, highlighting the importance of addressing both technological and psychological factors. It incorporates usage characteristics, user characteristics, and privacy and security concerns, which are mediated by attitudes and evaluations. The proposed model provides a comprehensive framework for understanding and addressing the factors influencing acceptance of and resistance to FRP, guiding FRP service providers in developing effective strategies to increase user adoption, with future research needed to refine and assess the model further.