Adoption readiness, personal.pdf - The current issue and full text archive of this journal is available at\/1066-2243.htm Adoption

Adoption readiness, personal.pdf - The current issue and...

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Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India Rakhi Thakur S.P. Jain Institute of Management and Research, Mumbai, India, and Mala Srivastava School of Management, Narsee Monjee Institute of Management Studies, Mumbai, India Abstract 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. Keywords Innovation, Perceived risk, Technology acceptance, Adoption readiness, Multi-group analysis, Mobile payment service Paper type Research paper 1. Introduction Mobile devices have influenced lives of people in ways more than any other innovation in the history of mankind. Daily activities have gradually shifted from concrete circumstances to mobile phone-based virtual environments. The adoption of mobile The current issue and full text archive of this journal is available at Received 4 December 2012 Revised 31 December 2012 7 March 2013 3 June 2013 26 July 2013 21 August 2013 27 August 2013 Accepted 29 August 2013 Internet Research Vol. 24 No. 3, 2014 pp. 369-392 r Emerald Group Publishing Limited 1066-2243 DOI 10.1108/IntR-12-2012-0244 The paper is based on the doctoral research work of first author at NMIMS University, Mumbai India. The second author is the doctoral research guide. The authors would like to sincerely thank Dr Jim Jansen, editor-in-chief of Internet Research and the all the anonymous reviewers for their valuable comments and suggestions. Additionally, authors would like to thank Dr Srinivas Prakhya at IIM Bangalore for his valuable guidance in shaping up this paper.
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