{"title":"Why do micro and small merchants use mobile payment systems? A grounded theory study in China","authors":"Xiaogang Chen, Shu Li, Libo Su, Ting Huang","doi":"10.1108/nbri-11-2020-0061","DOIUrl":null,"url":null,"abstract":"\nPurpose\nThis study aims to reveal the decision-making process that micro and small merchants (MSMs) may go through when deciding on the mobile payment system (MPS) adoption and usage and explore how relevant factors may impact this process.\n\n\nDesign/methodology/approach\nThis paper uses the grounded theory approach. Specifically, this paper conducts individual, semi-structured interviews with MSMs in China. Each interview was focused on an MSM’s decisions on initial adoption and continued use of MPSs. The paper then coded the interviews to derive conceptual categories and integrated the categories to form a cohesive framework to explain how MSMs make decisions on MPS adoption and usage.\n\n\nFindings\nMSMs make decisions on MPS adoption and usage in three phases: first, due to variations in social and economic surroundings, some merchants develop intentions to adopt MPSs, whereas others do not. Second, merchants developing adoption intentions in phase one have to select which MPS brands to adopt and then begin using them. The brand value affects their selection. Finally, the use of MPSs of their initial choice has consequences for business operations. Merchants with different levels of personal innovativeness evaluate the consequences differently. Satisfied merchants continue using the initial MPSs, while dissatisfied merchants switch to other brands.\n\n\nOriginality/value\nThe findings first give a more complete depiction of how MSMs make MPS adoption and usage decisions; second show that MSMs’ MPS adoption intention is solely influenced by pro-mobile-payment surroundings and explain what constitutes pro-mobile-payment surroundings and through what mechanisms the surroundings influence adoption intentions; third reveals that selecting which MPS brand to adopt is an important decision phase; fourth explain both why merchants may continue using MPSs and why they may switch from one MPS brand to another.\n","PeriodicalId":44958,"journal":{"name":"Nankai Business Review International","volume":" ","pages":""},"PeriodicalIF":1.8000,"publicationDate":"2021-08-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"1","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Nankai Business Review International","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1108/nbri-11-2020-0061","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"MANAGEMENT","Score":null,"Total":0}
引用次数: 1
Abstract
Purpose
This study aims to reveal the decision-making process that micro and small merchants (MSMs) may go through when deciding on the mobile payment system (MPS) adoption and usage and explore how relevant factors may impact this process.
Design/methodology/approach
This paper uses the grounded theory approach. Specifically, this paper conducts individual, semi-structured interviews with MSMs in China. Each interview was focused on an MSM’s decisions on initial adoption and continued use of MPSs. The paper then coded the interviews to derive conceptual categories and integrated the categories to form a cohesive framework to explain how MSMs make decisions on MPS adoption and usage.
Findings
MSMs make decisions on MPS adoption and usage in three phases: first, due to variations in social and economic surroundings, some merchants develop intentions to adopt MPSs, whereas others do not. Second, merchants developing adoption intentions in phase one have to select which MPS brands to adopt and then begin using them. The brand value affects their selection. Finally, the use of MPSs of their initial choice has consequences for business operations. Merchants with different levels of personal innovativeness evaluate the consequences differently. Satisfied merchants continue using the initial MPSs, while dissatisfied merchants switch to other brands.
Originality/value
The findings first give a more complete depiction of how MSMs make MPS adoption and usage decisions; second show that MSMs’ MPS adoption intention is solely influenced by pro-mobile-payment surroundings and explain what constitutes pro-mobile-payment surroundings and through what mechanisms the surroundings influence adoption intentions; third reveals that selecting which MPS brand to adopt is an important decision phase; fourth explain both why merchants may continue using MPSs and why they may switch from one MPS brand to another.
期刊介绍:
Nankai Business Review International (NBRI) provides insights in to the adaptation of American and European management theory in China, the differences and exchanges between Chinese and western management styles, the relationship between Chinese enterprises’ management practice and social evolution and showcases the development and evolution of management theories based on Chinese cultural characteristics. The journal provides research of interest to managers and entrepreneurs worldwide with an interest in China as well as research associations and scholars focusing on Chinese problems in business and management.