Paths to digital mobile payment platforms acceptance and usage: A topology for digital enthusiast consumers

Abstract

The rapid development of digital mobile payment platforms (DMPPs) has significantlytransformed the financial services landscape, offering consumers unparalleled convenience and efficiency in payment options. This study delves into the acceptance and usability factors among digital enthusiast consumers, employing fuzzy set Qualitative Comparative Analysis (fsQCA) to uncover key determinants. Analyzing data from 325 digital enthusiasts, the research identified four distinct configural paths that significantly influence DMPP usage, revealing two primary user typologies: “systems readiness and ease of use” and “affection and secured platforms.” Performance expectancy emerged as a core condition, highlighting its critical role in driving DMPP adoption among digital enthusiasts. The study also underscored the importance of grievance redress and perceived trust as essential conditions influencing user adoption and continuous usage, emphasizing their pivotal role in enhancing user experience and fostering trust. These insights suggest that addressing users' concerns and building trust are fundamental for the sustained success of DMPPs. By tailoring DMPP features to align with the distinct preferences of the identified user typologies, service providers can significantly boost adoption rates. The fsQCA approach offers novel insights into the nuances of emerging technology acceptance and usage, underscoring the necessity of categorizing users to better understand DMPP adoption dynamics. This research provides valuable contributions to both businesses and policymakers,offering strategies to optimize DMPP design, ensure superior user experiences, and promote broader adoption. The findings highlight the dynamic interplay of user expectations and technological capabilities, essential for navigating the evolving digital financial landscape.