NFC technology acceptance for mobile payments: A Brazilian Perspective

Luna, Iviane Ramos de; Montoro-Ríos, Francisco; Liébana-Cabanillas, Francisco; Luna, João Gil de

doi:10.7819/rbgn.v0i0.2315

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Article • Rev. bras. gest. neg. 19 (63) • Jan-Mar 2017 • https://doi.org/10.7819/rbgn.v0i0.2315 copy

NFC technology acceptance for mobile payments: A Brazilian Perspective

Authorship SCIMAGO INSTITUTIONS RANKINGS

Abstract

Purpose:

This study investigates the acceptance of NFC technology for payment through mobile in a Brazilian context, which allow knowing the factors that influence directly or indirectly in that acceptance.

Design/methodology/approach:

Through an online and self-administered questionnaire and using the snowball sampling procedure on social networks, the final sample consisted of 423 mobile phone users in Brazil and the technique used to prove the hypotheses was the Structural Equation Model.

Findings:

The results show that attitude, personal innovation in IT and perceived usefulness are determinants of future intention to use the NFC technology for payments in Brazil.

Originality/value:

The proposed model has a predictive power of intention to use NFC payment of 71%, demonstrating that it includes background with a large predictive power of acceptance of NFC technology which led us to highlight the main implications for the management and development of new studies in this field.

Keywords:
Mobile payments; NFC; TAM; new technologies acceptance

Construct	Items		Authors
Attitude toward the use of NFC payment systems	ATU1	The use of NFC mobile payment is a good idea	*Oh et al. (2003Oh, S., Ahn, J., & Kim, B. (2003). Adoption of broadband Internet in Korea: the role of experience in building attitudes. Journal of Information Technology, 18(4), 267-280.), van der Heijden (2003Van Der Heijden, H. (2003). Factors influencing the usage of websites: The case of a generic portal in The Netherlands. Information & Management, 40(6), 541-549.), Yang and Yoo (2004Yang, H. D., & Yoo, Y. (2004). It’s all about attitude: revisiting the technology acceptance model. Decision Support Systems, 38(1), 19-31.), Schierz et al. (2010*Schierz, P. G., Schilke, O., & Wirtz, B.W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209-216.)
	ATU2	The use of NFC mobile payment is convenient
	ATU3	The use of NFC mobile payment is beneficial
	ATU4	The use of NFC mobile payment is interesting
Intention to use NFC payments systems	IU1	Given the opportunity, I will use a mobile NFC payment system	Davis (1989Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340.), *Gefen et al. (2003Gefen, D., Karahanna, E., & Straub, D.W. (2003). Trust y TAM in online shopping: An integrated Model. MIS Quarterly, 27(1), 51-90.), Venkatesh and Davis (2000Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204.), Schierz et al. (2010*Schierz, P. G., Schilke, O., & Wirtz, B.W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209-216.)
	IU2	I am likely to use a NFC payment system in the near future
	IU3	I am open to using NFC mobile payment system in the near future
	IU4	I intend to use an NFC mobile payment system when the opportunity arises
Perceived usefulness of NFC payment systems	PU1	NFC mobile payment system is useful mode of payment	Bhattacherjee (2001Bhattacherjee, A. (2001). An empirical analysis of the antecedents of electronic commerce service continuance. Decision Support Systems, 32(2), 201-214.), *Devaraj et al. (2002Devaraj, S., Fan, M., & Kohli, R. (2002). Antecedents of B2C channel satisfaction and preference, Validating e-commerce metrics. Information Systems Research, 13(3), 316-333.), van der Heijden (2003Van Der Heijden, H. (2003). Factors influencing the usage of websites: The case of a generic portal in The Netherlands. Information & Management, 40(6), 541-549.), Schierz et al. (2010*Schierz, P. G., Schilke, O., & Wirtz, B.W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209-216.)
	PU2	Using NFC mobile payment makes the handling of payments easier
	PU3	NFC mobile payment system allows quick use of mobile applications (for example, ticket purchases, and use of mobile coupons, etc.)
	PU4	The use of the NFC mobile payment NFC will improve my decision making process as a consumer (e.g. flexibility, speed, etc.).
Perceived ease of use of NFC payment systems	PEOU1	It is easy to become skilful at using NFC mobile payment system	Bhattacherjee (2001Bhattacherjee, A. (2001). An empirical analysis of the antecedents of electronic commerce service continuance. Decision Support Systems, 32(2), 201-214.), *Davis et al. (1989Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003.), Taylor and Todd (1995Taylor, S., & Todd, P. A. (1995). Understanding information technology usage: A test of competing models. Information Systems Research, 6(2), 144-176.), Venkatesh and Davis (2000Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204.), Schierz et al. (2010*Schierz, P. G., Schilke, O., & Wirtz, B.W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209-216.)
	PEOU2	Interactions with NFC mobile payment system are clear and understandable
	PEOU3	It is easy to follow all the steps to use NFC mobile payment system
	PEOU4	It is easy to interact NFC mobile payment system
Perceived security of NFC payment systems	PS1	The risk of an unauthorized party intervening in the payment process is low (PS1)	Luarn and Lin (2005Luarn, P., & Lin, H. H. (2005). Toward an understanding of the behavioral intention to use mobile banking. Computer in Human Behavior, 21(6), 873-891.), *Parasuraman et al. (2005Parasuraman, A., Zeithaml, V. A., & Malhotra, A. (2005). E-S-QUAL: a multiple-item scale for assessing electronic service quality. Journal of Service Research, 7(3), 213-233.), Schierz et al. (2010*Schierz, P. G., Schilke, O., & Wirtz, B.W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209-216.)
	PS2	The risk of abuse of usage information (e.g., names of business partners, payment amount) is low when using NFC mobile payment system (PS2)
	PS3	The risk of abuse of billing information (e.g., credit card number, bank account data) is low when using NFC mobile payment (PS3)
	PS4	I would like that the NFC payment system is safe for my financial transactions.
Perceived Compatibility in NFC payment systems	PC1	NFC mobile payment system use fits well in my lifestyle	Moore and Benbasat (1991Moore, G. C., & Benbasat, I. (1991). Development of an instrument to measure the perceptions of adopting an information technology innovation. Information Systems Research, 2(3), 173-191.), *Plouffe et al. (2001Plouffe, C. R., Hulland, J. & Vandenbosch, M. (2001). Research Report: Richness Versus Parsimony in Modeling Technology Adoption Decisions -Understanding Merchant Adoption of a Smart Card-Based Payment System. Information Systems Research, 12(2), 208-222.), Schierz et al. (2010*Schierz, P. G., Schilke, O., & Wirtz, B.W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209-216.)
	PC2	NFC mobile payment use is consistent with the way I like to buy products and services
	PC3	I would appreciate to use NFC payment system over other kinds payment systems (for example, cash or traditional credit cards.)
Subjective Norms	SN1	People who are important to me would recommend using NFC mobile payment system	Taylor and Todd (1995Taylor, S., & Todd, P. A. (1995). Understanding information technology usage: A test of competing models. Information Systems Research, 6(2), 144-176.), Venkatesh and Davis (2000Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204.), *Schierz et al. (2010*Schierz, P. G., Schilke, O., & Wirtz, B.W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209-216.)
	SN2	People who are important to me view NFC mobile payment system as beneficial
	SN3	People who are important to me think it is a good idea to use NFC mobile payment systems
Individual Mobility	IM1	I could imagine having multiple jobs at a time	*Schierz et al. (2010*Schierz, P. G., Schilke, O., & Wirtz, B.W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209-216.)
	IM2	I would like to be able to keep in touch everywhere I am
	IM3	I would like to be able to coordinate my daily tasks everywhere I am
	IM4	I would like to be able to coordinate my daily tasks anytime.
Personal Innovativeness in Information Technology	PIIT1	If I find out about new information technology, I seek ways to experience it	Agarwal and Prasad (1998Agarwal, R., & Prasad, J. (1998). A conceptual and operational definition of personal innovativeness in the domain of information technology. Information Systems Research, 9(2), 204-215.), *Lu et al. (2005*Lu, J., Yao, J., & Ye, C. S. (2005). Personal innovativeness, social influences and adoption of wireless internet services via mobile technology. The Journal of Strategic Information Systems, 14(3), 245-268.)
	PIIT2	I am usually one of the first among my colleagues/peers to explore new information technology
	PIIT3	In general, I am reluctant to try new information technologies*
	PIIT4	I like to test new information technologies

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