What are the reasons for not adopting mobile payments?
Ates, Gökhan (2019)
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The objective of this study was to investigate the reasons or hesitations behind resistance to mobile payments` adoption. As the internet and digitalization have continually moulded consumers` behaviors and attitudes, it is surprising to see that a considerable number of young consumers are still not eager to use mobile for payment services. Therefore, by conducting semi-structured qualitative interviews with young professionals who have never used mobile payment, in-depth knowledge of barriers and motivators for future usage were aimed to be explored. The purpose of the study is answered through the following research question: What are the reasons for not adopting mobile payments? In order to do an explorative study on the subject, each interview was conducted one at a time with ten different young professionals between the age of 20 to 35 in Helsinki, Finland. During the data analyses, a qualitative thematic analysis method was utilized. For example, simple coding on the paper was used for the data familiarizing, and then initial codes were generated. Inter-view participants found concerns regarding security, lack of world-wide acceptance and old habits as the major barriers for their mobile payments` adoption. The findings might help solution providers to better understand the expectations of potential consumers of mobile payments. Therefore, the information provided can be used to improve the services which may lead to mobile payments` success by convincing and attracting more users. The main limitation of this study is the limited sample which does not warrant generalization of the result. As a recommendation, further research should be conducted by gathering larger samples, conducting a quantitative study to verify the results of the present study and by using different theories as to the basis of the research.
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