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首页> 外文期刊>Internet Research: Electronic Networking Applications and Policy >Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India
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Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India

机译：印度移动支付服务的客户群体的采用准备情况，个人创新能力，感知的风险和使用意图

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摘要

Purpose - The purpose of this paper is to accomplish two objectives - to test the functional relationship between adoption readiness (AR), perceived risk (PR) and usage intention for mobile payments in India and to investigate the stability of proposed structural relationships across different customer groups. Design/methodology/approach - The literature concerning major attributes of technology acceptance were systematically reviewed to develop construct of AR. Post that a comprehensive model consisting of AR, personal innovativeness and PR was put together. The model was then empirically tested using structural equation modelling. Findings - On appraising the proposed model, five out of six hypotheses were fully supported while one hypothesis was partially supported. Test of invariance showed significant variance among users and non-users. Research limitations/implications - The results of the study may vary with national context, service offerings, regulatory framework and other customer personal variables (i.e. lifestyle) suggesting future research opportunities. Practical implications - The results facilitate the comprehension of the role of different factors on the mobile payments usage intention among customers. In addition, the results expand the knowledge on consumer behaviour towards financial technological innovations. Originality/value - The results expand one's knowledge on this relationship, propounding interesting empirical evidence of the model invariance among different consumer groups.
机译：目的-本文的目的是实现两个目标-测试印度移动支付的采用准备度（AR），感知风险（PR）和使用意图之间的功能关系，并研究不同客户之间建议的结构关系的稳定性组。设计/方法/方法-系统地回顾了有关技术验收主要属性的文献，以开发AR的构造。发布了包含AR，个人创新和PR的综合模型。然后使用结构方程模型对模型进行经验测试。研究结果-在评估提出的模型时，六种假设中的五种得到了完全支持，而一种假设得到了部分支持。不变性检验显示用户与非用户之间存在显着差异。研究局限性/含义-研究结果可能会因国家/地区，服务项目，监管框架和其他客户个人变量（即生活方式）而异，这暗示了未来的研究机会。实际意义-结果有助于理解不同因素对客户之间的移动支付使用意图的作用。此外，结果将有关消费者行为的知识扩展到金融技术创新。原创性/价值-结果扩大了人们对这种关系的认识，提出了不同消费者群体模型不变性的有趣经验证据。

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