1,567
Views
26
CrossRef citations to date
0
Altmetric
Article

Exploring technology readiness for mobile payment app users

ORCID Icon & ORCID Icon
Pages 123-142 | Received 13 Feb 2019, Accepted 27 May 2019, Published online: 17 Jun 2019

References

  • Abu-Shamaa, R., E. Abu-Shanab, and R. Kwasawneh. 2016. “Payment Methods and Purchase Intention from Online Stores: An Empirical Study in Jordan.” International Journal of E-Business Research 12 (2): 31–44. doi:10.4018/IJEBR.2016040103.
  • Ajzen, I. 1991. “The Theory of Planned Behaviour.” Organisational Behaviour and Human Decision Processes 50 (2): 179–211. doi:10.1016/0749-5978(91)90020-T.
  • Alderfer, M., and R. Blashfield. 1984. Cluster Analysis. Thousand Oaks, California: Sage.
  • Asmi, F., R. Zhou, and M. Wu. 2016. “Measuring E-Readiness among Non-Users of Internet Banking in Pakistan: By TAM with CRM as External Factor.” European Journal of Business and Management 8 (29): 131–143.
  • Athanassopoulos, A. D. 2000. “Customer Satisfaction Cues to Support Market Segmentation and Explain Switching Behaviour.” Journal of Business Research 47 (3): 191–207. doi:10.1016/S0148-2963(98)00060-5.
  • Badri, M. A., A. Al Rashedi, G. Yang, J. Mohaidat, and A. Al Hammandi. 2014. “Technology Readiness of School Teachers – An Empirical Study of Measurement and Segmentation.” Industrial Engineering and Management 2 (4): 257–275.
  • Bagozzi, R. P., and L. W. Phillips. 1982. “Representing and Testing Organizational Theories: A Holistic Construction.” Administrative Science Quarterly 27 (3): 459–489. doi:10.2307/2392322.
  • Bagozzi, R. P., Y. Yi, and L. W. Phillips. 1991. “Assessing Construct Validity in Organizational Research.” Administrative Science Quarterly 36 (3): 421–458. doi:10.2307/2393203.
  • Bailey, C., P. R. Baines, H. Wilson, and M. Clark. 2009. “Segmentation and Customer Insight in Contemporary Services Marketing Practice: Why Grouping Customers Is No Longer Enough.” Journal of Marketing Management 25 (3–4): 227–252. doi:10.1362/026725709X429737.
  • Batra, R., and N. Kalra. 2016. “Are Digital Wallets the New Currency?” Apeejay Journal of Management and Technology 11 (1): 1–12.
  • Bhatnagar, A., and S. Ghose. 2004. “A Latent Class Segmentation Analysis of E-Shoppers.” Journal of Business Research 57 (7): 758–767. doi:10.1016/S0148-2963(02)00357-0.
  • Bhattacherjee, A. 2001. “Understanding Information Systems’ Continuance: An Expectation-Confirmation Model.” MIS Quarterly 25 (3): 351–370. doi:10.2307/3250921.
  • Biucky, S. T., N. Abdolvand, and S. R. Harandi. 2017. “The Effects of Perceived Risk on Social Commerce Adoption, Based on the TAM Model.” International Journal of Electronic Commerce Studies 8 (2): 173–196.
  • Business Tech. 2014, “The Number of Smartphones Users in SA”, [online]. Accessed 19 May 2017. https://businesstech.co.za/news/mobile/59175/the-number-of-smartphone-users-in-sa/
  • Chawla, D., and H. Joshi. 2017. “Consumer Perspectives about Mobile-Banking Adoption in India–A Cluster Analysis.” International Journal of Bank Marketing 35 (4): 616–636. doi:10.1108/IJBM-03-2016-0037.
  • Cho, J. 2016. “The Impact of Post-Adoption Beliefs on the Continued Use of Health Apps.” International Journal of Medical Informatics 87: 75–83. doi:10.1016/j.ijmedinf.2015.12.016.
  • Christensen, C. M., T. Hall, K. Dillon, and D. S. Duncan. 2016. “Know Your Customers’ Jobs to Be Done.” Harvard Business Review 94 (9): 54–62.
  • Cohen, J. 1988. Statistical Power Analysis for the Behavioural Sciences. Hillsdale, New Jersey: Erlbaum.
  • Cooper, D. R., and P. S. Schindler. 2006. Marketing Research. New York: McGraw-Hill Irwin.
  • Delloite, and Touché. 2016, “Game of Phones African Mobile Consumer Survey”, [online]. Accessed 13 January 2016. https://www2.deloitte.com/content/dam/Deloitte/za/Documents/technology-media-telecommunications/ZA_Deloitte-Mobile-consumer-survey-Africa-300816.pdf
  • eMarketer. 2017, “Smartphone Use Headed for a New Milestone in the UK: Narrow Lead Predicted for Phones’ Place in Daily Time Spent Online”, [online]. Available 10 April 2018. https://www.emarketer.com/Article/Smartphone-Use-Headed-New-Milestone-UK/1016444
  • Fornell, C., and D. F. Larcker. 1981. “Structural Equation Models with Observable Variables and Measurement Errors.” Journal of Marketing Research 18 (1): 39–50. doi:10.1177/002224378101800104.
  • Franke, N., H. Reisinger, and D. Hoppe. 2009. “Remaining within Cluster Heterogeneity: A Meta-Analysis of the “Dark Side” of Clustering Methods.” Journal of Marketing Management 25 (3–4): 273–293. doi:10.1362/026725709X429755.
  • Goldenberg, J., and S. Oreg. 2007. “Laggards in Disguise: Resistance to Adopt and the Leapfrogging Effect.” Technological Forecasting & Social Change 74 (8): 1272–1281. doi:10.1016/j.techfore.2006.11.001.
  • Goneos-Malka, A., A. Strasheim, and A. F. Grobler. 2014. “Conventionalists, Connectors, Technoisseurs and Mobilarti: Differential Profiles of Mobile Marketing Segments Based on Phone Features and Postmodern Characteristics of Consumers.” Journal of Retailing and Consumer Services 21 (6): 905–916. doi:10.1016/j.jretconser.2014.08.008.
  • GSMA. 2017, “The Mobile Economy – Sub-Saharan Africa 2017”, [online] https://www.gsma.com/mea/mobile-economy-2017-sub-saharan-africa-2017 (Accessed 13 December 2017).
  • Guhr, N., T. Loi, R. Wiegard, and M. H. Breitner 2013. “Technology Readiness in Customers’ Perception and Acceptance of M(Obile)-Payment: An Empirical Study in Finland, Germany, the USA and Japan”. 11th International Conference on Wirtschaftsinformatik, Germany, pp. 119–133.
  • Hair, F. H., W. C. Black, B. J. Babin, R. E. Anderson, and R. L. Tatham. 2006. Multivariate Data Analysis. 6th ed. Upper Sadle Rivier, NY: Pearson-Prentice Hall.
  • Hong, S. J., J. Y. L. Thong, and K. Y. Tam. 2006. “Understanding Continued Information Technology Usage Behaviour: A Comparison of Three Models in the Context of Mobile Internet.” Decision Support Systems 42: 1819–1834. doi:10.1016/j.dss.2006.03.009.
  • Hossain, T., and M. S. Amin. 2015 “Innovative Mobile Marketing Strategies for Tourism Sector Using Segmentation for Targeted and Effective Marketing Programs.” Proceedings of the International Conference on Business Management & Information Systems, Singapore, pp.1–10.
  • Hsu, M. H., C. H. Yen, C. M. Chiu, and C. M. Chang. 2006. “A Longitudinal Investigation of Continued Online Shopping Behaviour: An Extension of the Theory of Planned Behaviour.” International Journal of Human-Computer Studies 64 (9): 899–904. doi:10.1016/j.ijhcs.2006.04.004.
  • Kim, C., M. Mirusmonov, and I. Lee. 2010. “An Empirical Examination of Factors Influencing the Intention to Use Mobile Payment.” Computers in Human Behaviour 26: 310–322. doi:10.1016/j.chb.2009.10.013.
  • Kimiloglu, H., V. A. Nasir, and S. Nasir. 2010. “Discovering Behavioural Segments in the Mobile Phone Market.” Journal of Consumer Marketing 27 (5): 401–413. doi:10.1108/07363761011063303.
  • Lamberti, L., M. Benedetti, and S. Chen. 2014. “Benefits Sought by Citizens and Channel Attitudes for Multichannel Payment Services: Evidence from Italy.” Government Information Quarterly 31 (4): 596–609. doi:10.1016/j.giq.2014.03.002.
  • Lee, W., W. Chiu, M. Chiang, and C. Chiu. 2009. “Technology Readiness in the Quality-Value-Loyalty Chain.” International Journal of Electronic Business Management 7 (2): 112–126.
  • Liu, Y. 2015. “Consumer Protection in Mobile Payments in China: A Critical Analysis of Alipay’s Service Agreement.” Computer Law & Security Review 31 (5): 679–688. doi:10.1016/j.clsr.2015.05.009.
  • BCG, M. Abraham, S. Mitchelmore, S. Collins, J. Maness, M. Kistulinec, S. SKhodabandeh, D. Hoenig, and J. Visser. 2017. “Profiting from Personalization”, [online]. Accessed 15 May 2019. https://www.bcg.com/publications/2017/retail-marketing-sales-profiting-personalization.aspx
  • Madhulatha, T. S. 2012. “An Overview on Clustering Methods.” IOSR Journal of Engineering 2 (4): 719–725. doi:10.9790/3021.
  • Makanyeza, C. 2017. “Determinants of Consumers’ Intention to Adopt Mobile Banking Services in Zimbabwe.” International Journal of Bank Marketing 35 (6): 997–1017. doi:10.1108/IJBM-07-2016-0099.
  • Martens, M., O. Roll, and R. Elliot. 2017. “Testing the Technology Readiness and Acceptance Model for Mobile Payments across Germany and South Africa.” International Journal of Innovation and Technology Management 14 (6): 1750033. doi:10.1142/S021987701750033X.
  • Massey, A., V. Khatri, and M. Montoya-Weiss. 2007. “Usability of Online Services: The Role of Technology Readiness and Context.” Decision Sciences 38 (2): 277–308. doi:10.1111/deci.2007.38.issue-2.
  • Meng, J., K. Elliot, and M. Hall. 2010. “Technology Readiness Index (TRI): Assessing Cross-Cultural Validity.” Journal International Consumer Marketing 22 (1): 19–31. doi:10.1080/08961530902844915.
  • Ndwandwe, V. 2017, “ByPYMNTS. In South Africa, Cash Is Consumers’ Hands-Down Choice”, [online] https://www.pymnts.com/cash/2017/south-african-consumers-pick-cash/(Accessed 10 June 2018).
  • Nunnally, J. C. 1978. Psychometric Theory. 2nd ed. New York: McGraw-Hill.
  • OECD. 2012, “Report on Consumer Protection in Online and Mobile Payments”, OECD digital economy papers, No. 204, OECD Publishing, Paris. Accessed 15 July 2017. doi: 10.1787/5k9490gwp7f3-en
  • Pallant, J. 2016. SPSS Survival Manual: A Step-by-Step Guide to Data Analysis Using the SPSS Program. 4th ed. NSW: Crow’s Nest, Allen & Unwin.
  • Parasciuc, P. 2010, “Why Laggards are Important”, [online]. Accessed 8 October 2017. https://marketing-and-branding.knoji.com/why-laggards-are-important/
  • Parasuraman, A. 2000. “Technology Readiness Index (TRI): A Multiple-Item Scale to Measure Readiness to Embrace New Technologies.” Journal of Service Research 2 (4): 307–320. doi:10.1177/109467050024001.
  • Parasuraman, A., and C. I. Colby. 2001. Techno-ready Marketing: How and Why Your Customers Adopt Technology. New York, NY: The Free Press, Division of Simon & Schuster.
  • Parasuraman, A., and C. L. Colby. 2015. “An Updated and Streamlined Technology Readiness Index: TRI 2.0.” Journal of Service Research 18 (1): 59–74. doi:10.1177/1094670514539730.
  • Pasqua, R., and N. Elkin. 2013. Mobile Marketing: An Hour a Day. Indianapolis, Indiana: John Wiley & Sons.
  • PYMNTS. 2017, “The Global Cash Index”, PYMNTS.COM, [online]. Accessed 10 June 2018. https://www.pymnts.com/global-cash-index/
  • Quinn, L. 2009. “Market Segmentation in Managerial Practice: A Qualitative Examination.” Journal of Marketing Management 25 (3–4): 253–272. doi:10.1362/026725709X429746.
  • Ramos-de-Luna, I., F. Montoro-Ríos, and F. Liébana-Cabanillas. 2016. “Determinants of the Intention to Use NFC Technology as a Payment System: An Acceptance Model Approach.” Information Systems and E-Business Management 14 (2): 293–314. doi:10.1007/s10257-015-0284-5.
  • Rix, P. 2006. Marketing: A Practical Approach. 5th ed. Australia: McGraw-Hill.
  • Rogers, E. M. 2003. “Elements of Diffusion.” Diffusion of Innovations 5 (1): 1–38.
  • Romesburg, C. 2004. Cluster Analysis for Researchers. North Carolina, USA: Lulu Press.
  • Sarabia, F. 1996. “Model for Market Segments Evaluation and Selection.” European Journal of Marketing 30 (4): 58–74. doi:10.1108/03090569610118830.
  • Schierz, P. G., O. Schilke, and B. W. Wirtz. 2010. “Understanding Consumer Acceptance of Mobile Payment Services: An Empirical Analysis.” Electronic Commerce Research and Applications 9: 209–216. doi:10.1016/j.elerap.2009.07.005.
  • Setterstrom, A. J., J. M. Pearson, and R. A. Orwig. 2013. “Web-Enabled Wireless Technology: An Exploratory Study of Adoption and Continued Use Intentions.” Behaviour & Information Technology 32 (11): 1139–1154. doi:10.1080/0144929X.2012.708785.
  • Statistica 2018, “Number of Smartphone Users in South Africa from 2014 to 2022”, [online]. Accessed 10 June 2018. https://www.statista.com/statistics/488376/forecast-of-smartphone-users-in-south-africa/
  • Thomas, S. 2015 “The SnapScan Effect: How Mobile Payments Made QR Codes Relevant in South Africa”, based on reports from the World Wide Worx, [online]. Accessed 15 May 2019. http://memeburn.com/2015/05/the-snapscan-effect-how-mobile-payments-made-qr-codes-relevant-in-south-africa
  • Thong, J. Y. L., S. J. Hong, and K. Y. Tam. 2006. “The Effects of Post-Adoption Beliefs on the Expectation-Confirmation Model for Information Technology Continuance.” International Journal of Human-Computer Studies 64 (9): 799–810. doi:10.1016/j.ijhcs.2006.05.001.
  • Tryon, C. M. 1939. “Evaluations of Adolescent Personality by Adolescents.” Monographs of the Society for Research in Child Development 4 (4): 1–83. doi:10.2307/1165430.
  • Tsikriktsis, N. 2004. “A Technology Readiness-Based Taxonomy of Customers: A Replication and Extension.” Journal of Service Research 7 (1): 42–52. doi:10.1177/1094670504266132.
  • Upadhyay, P., and M. Chattopadhyay. 2015. “Examining Mobile Based Payment Services Adoption Issues: A New Approach Using Hierarchical Clustering and Self-Organizing Maps.” Journal of Enterprise Information Management 28 (4): 490–507. doi:10.1108/JEIM-04-2014-0046.
  • Victorino, L., E. Karniouchina, and R. Verma. 2009. “Exploring the Use of the Abbreviated Technology Readiness Index for Hotel Customer Segmentation.” Cornell Hospitality Quarterly 50 (3): 342–359. doi:10.1177/1938965509336809.
  • Voropanova, E. 2015. “Conceptualizing Smart Shopping with a Smartphone: Implications of the Use of Mobile Devices for Shopping Productivity and Value.” The International Review of Retail, Distribution and Consumer Research 25 (5): 529–550. doi:10.1080/09593969.2015.1089304.
  • Wiese, M., G. van Heerden, and T. Maree. 2017. “Dynamite in Small Packages: The Engaged Elite as an Emerging Facebook Niche Market.” African Journal of Information Systems 9 (1): 36–61.
  • Wycech, S. 2015, “An Investigation of Attitudes Towards Mobile Payments”, Masters dissertation, University of Dublin, Republic of Ireland.
  • Zhu, H., Q. Wang, L. Yan, and G. Wu. 2009. “Are Consumers What They Consume? Linking Lifestyle Segmentation to Product Attributes: An Exploratory Study of the Chinese Mobile Phone Market.” Journal of Marketing Management 25 (3–4): 295–314. doi:10.1362/026725709X429764.

Reprints and Corporate Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

To request a reprint or corporate permissions for this article, please click on the relevant link below:

Academic Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

Obtain permissions instantly via Rightslink by clicking on the button below:

If you are unable to obtain permissions via Rightslink, please complete and submit this Permissions form. For more information, please visit our Permissions help page.