Towards a cashless society: The effects of perceived convenience and security on gamified mobile payment platform adoption

• Main Authors: Lai, Poey Chin, Liew, Ewilly J. Y.
• Format: Article
• Published: Univ. Canberra 2021
• Subjects: HC Economic History and Conditions; QA Mathematics; QA75 Electronic computers. Computer science; T Technology (General)
• Online Access: http://eprints.um.edu.my/36148/; https://www.scopus.com/inward/record.uri?eid=2-s2.0-85123996338&doi=10.3127%2fAJIS.V25I0.2809&partnerID=40&md5=e121b1ffdcb482e83af8198f4bd37d72
• Institution: Universiti Malaya

Integrating gamification into mobile payment platforms incentivizes people to use digital alternatives for payment and could spur user-centric, platform-mediated interactions. This study examines the relationship between perceived convenience and perceived security on individual users’ intention to use a gamified mobile payment platform in Malaysia; a developing country envisioned to build a cashless society. The partial least square structural equation modeling (PLS-SEM) technique is employed on a final sample of 388 online users. The results show that perceived convenience has a strong but indirect effect on the intention to use. Perceived security has a strong and direct effect on intention to use and mediates the relationship between perceived convenience and intention to use. Furthermore, the reliability aspect of security is a top priority concern for users interested in using mobile payment. The multi-functional aspect of convenience is a top priority concern to attract users who are not interested in using mobile payment at first. The study discusses theoretical and practical implications for developing a dual strategy of ‘ensuring convenience’ and ‘assuring security’ to encourage the gamified mobile payment platform adoption in developing countries © 2021 authors. This is an open-access article distributed under the terms of the Creative Commons Attribution-NonCommercial 3.0 Australia License, which permits non-commercial use, distribution, and reproduction in any medium, provided the original author and AJIS are credited