Why do Individuals Continue Using Mobile Payments - A Qualitative Study in China

Abstract

Many financial and mobile service providers are viewing mobile payment (MP) as a strategic growth area for their business. In order to realize this anticipated growth potential, users must initially adopt and then continue to use MP systems. However, a rich and detailed user perspective of MP continuance behavior is lacking. We address part of this research gap by content-analyzing interview transcripts of 38 MP users. The findings indicate that perceived usefulness and risk, disconfirmation, satisfaction, subjective norm, and habit are important when users making MP continuance decisions.