Understanding perceived risk factors toward mobile payment usage by employing extended technology continuance theory: a Vietnamese consumers’ perspective

作者：Minh-Trí Hà, Khoa T. Tran, Georgia Sakka, Zafar U. Ahmed · 发表于：Journal of Asia Business Studies · 年份：2023 · DOI：10.1108/jabs-01-2023-0025 · 被引用次数：23 · 研究领域：Technology Adoption and User Behaviour、FinTech, Crowdfunding, Digital Finance、Digital Marketing and Social Media

Purpose This study aims to examine the impact of perceived risk dimensions, confirmation, perceived usefulness and perceived ease of use on user satisfaction and their continuance intention to use mobile payments across Vietnam based on the extended technology continuance theory (TCT). Design/methodology/approach This study used an online questionnaire-based survey design to collect data from 417 respondents using judgmental and snowball sampling techniques. The respondents in this survey are personal users of mobile payments across Vietnam. Data analyses and hypothesis testing were carried out using the partial least squares structural equation modeling. Findings The findings demonstrate that physical risk, time loss risk, opportunity cost risk, confirmation, perceived ease of use and perceived usefulness are important elements influencing consumers’ satisfaction toward continuance intentions to use mobile payment services. Satisfaction is also significantly associated with continuance intentions to use mobile payments across Vietnam. Other relationships, including functional risk, social risk, financial risk and information risk are not significantly related to satisfaction. These results are expected to be useful for mobile payment service providers. Understanding the factors mentioned in this study enables mobile payment service providers to improve their offerings strategically and then motivate their clients to keep using mobile payments. Originality/value The work is a...