Mobile Payments

Computers in Human Behavior 28 (2012) 129–142

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Computers in Human Behavior journal homepage: www.elsevier.com/locate/comphumbeh

Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits
Shuiqing Yang a, Yaobin Lu a,⇑, Sumeet Gupta b, Yuzhi Cao a, Rui Zhang c a School of Management, Huazhong University of Science and Technology, Wuhan 430074, PR China
Shri Shankaracharya Institute of Technology and Management, Bhilai 490 020, India c TD-SCDMA Joint Innovation Lab, HuBei Mobile Co., China Mobile Group, Wuhan 430074, PR China b a r t i c l e

i n f o

Article history:
Available online 16 September 2011
Keywords:
Social influences
Personal traits
Behavioral beliefs
Mobile payment services
Potential adopters
Current users

a b s t r a c t
Mobile payment is an emerging and important application of mobile commerce. The adoption and use of mobile payment services are critical for both service providers and investors to profit from such an innovation. The present study attempts to identify the determinants of pre-adoption of mobile payment services and explore the temporal evolution of these determinants across the pre-adoption and postadoption stages from a holistic perspective including behavioral beliefs, social influences, and personal traits. A research model that reflects the characteristics and usage contexts of mobile payment services is developed and empirically tested by using structural equation modeling on datasets consisting of
483 potential adopters and 156 current users of a mobile payment service in China. Our findings show that behavioral beliefs in combination with social influences and personal traits are all important determinants for mobile payment services adoption and use, but their impacts on behavioral intention do vary across in different stages. Theoretical and practical

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