Evaluating the Utilisation of Mobile Devices in Online Payments from the Consumer Perspective

Abstract

This paper presents empirical results of a study intended to evaluate the use of mobile devices for online payments. The mobile device can be used as an assistance device to increase consumer use of online payment systems. The data reported in this study was collected by surveying participant opinions in a free simulation experiment of mobile payment attributes. The study adopted some factors that were developed specifically for this research and some attributes reported in the literature as success factors in determining consumers’ acceptance of mobile payment systems. It was argued that the success of a mobile payment system needed to be considered from the consumer viewpoint. From this perspective, the scales used to measure the study attributes were adapted for use by consumers within the specified simulated experiment. Frequency percentage analysis was also used to examine factors that could affect mobile payment success. Consequential results from this study supported the use of mobile devices for online payments. The results showed that the use of mobile devices for online payments had a positive effect on persuading consumers to use online payments. The results also showed that such utilisation significantly increased the degree of consumer trust in online payments.