Towards a Mobile App Diffusion of Innovations model: A multinational study of mobile wallet adoption |
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| Affiliation: | 1. Ryerson University/Ted Rogers School of Management, 55 Dundas Street West, Toronto, Canada;2. University of Nebraska at Kearney, 2504 9th Ave, Kearney, USA;3. University of Bayreuth, Universitätsstraße 30, 95447, Bayreuth, Germany;1. School of Management, Harbin Institute of Technology, P. O. Box 1222, No. 13 Fuyuan Street, Nangang District, Harbin 150006, PR China;2. P.O. Box 33761, Kinondoni District, Dar es Salaam, Tanzania;1. University of Arkansas at Little Rock, 2801 South University Avenue, Little Rock, AR 72204, United States;2. University of the Incarnate Word, 4301 Broadway, CPO 123 San Antonio, TX 78209, United States;3. University of North Texas, 1155 Union, Denton, TX 76203, United States;1. Symbiosis Institute of Business Management Nagpur, Constituent of Symbiosis International (Deemed University), Pune, India;2. Symbiosis Centre for Management Studies Nagpur, Constituent of Symbiosis International (Deemed University), Pune, India;3. Dr. Ambedkar Institute of Management Studies and Research, Nagpur, India;4. College of Business and Economics, Qatar University, Doha, Qatar;5. College of Administrative and Financial Sciences, Saudi Electronic University, Riyadh, Saudi Arabia |
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| Abstract: | Demand for contactless payments has increased worldwide, but adoption varies by country. We propose a more parsimonious Diffusion of Innovations model (i.e., complexity is dropped and compatible advantage replaces relative advantage and compatibility) to investigate mobile wallet adoption, but with context-relevant extensions of security, privacy and ubiquity. The model is empirically tested for Canada, Germany and the United States. The findings support the proposed model. Furthermore, we find ubiquity, privacy concerns and security risks vary by country, and ubiquity plays a mediating role. This model can be utilized in future mobile app studies and provides country-specific guidance to practitioners. |
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| Keywords: | Diffusion of innovations Mobile wallet Multinational Mobile payment Compatible advantage |
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