Table 4.

Conclusions, theoretical and managerial implications

ConclusionsTheoretical and managerial implications
Customers consider not only pull (positive) factors of mobile payment but also push (negative) factors of cash payment

  • This study enhances the theory of behavioral intention to the continuance usage of m-payment by expanding UTAUT with the PPM model as the foundation of explanation. Four antecedent factors, namely, favorable attitude toward m-payment, social influence, facilitating conditions and unfavorable attitude toward cash payment, positively affect the continuance intention

  • By incorporating the important elements simultaneously, both positive and negative factors, companies can formulate marketing strategies to encourage customers’ continuance usage of m-payments more effectively

Behavioral intention is validated as the predictor of actual behavior

  • The study corroborates the effect of continuance intention on the actual use of m-payment

  • The m-payment service providers need to focus on the factors that significantly influence customers’ continuance intention to use m-payments as they finally influence the actual behavior

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