Transition from web to mobile payment services: The triple effects of status quo inertia |
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| Institution: | 1. School of Management, Xi’an Jiaotong University, 28 West Xianning Road, Xian, Shanxi, China;2. International School of Business and Finance, Sun Yat-sen University, Zhuhai, Guangdong, China;3. Dongwu Business School, Soochow University, Suzhou, China;4. Department of Finance and Decision Sciences, School of Business, Hong Kong Baptist University, Kowloon Tong, Hong Kong, China;5. Department of Information Systems, City University of Hong Kong, 6117, Cheng Yick Chi Building, Hong Kong, China;1. Department of Hospital and Health Care Administration, Chia Nan University of Pharmacy & Science, No. 60, Section 1, Erren Rd., Rende Dist., Tainan 71710, Taiwan, ROC;2. Department of Hospital and Health Care Administration, Chia Nan University of Pharmacy & Science, No. 60, Section 1, Erren Rd., Rende Dist., Tainan 71710, Taiwan, ROC;1. Department of Consumer Science, Seoul National University, 1 Gwanak-ro, Gwanak-gu, Seoul 08826, South Korea;2. Department of Consumers'' Life Information, Chungnam National University, 99 Daehak-ro, Yuseong-gu, Daejeon 34134, South Korea;1. School of Business, Jiaxing University, 56 South Yuexiu Rd., Jiaxing, 314001, PR China;2. School of Nanhu, Jiaxing University, 56 South Yuexiu Rd., Jiaxing, 314001, PR China;1. Department of Information Management, National Changhua University of Education, Taiwan;2. Department of Information Management, National Sun Yat-sen University, Taiwan;2. Department of Marketing and Distribution Management, National Taitung College, No.911, Jhengci N. Rd., Taitung, 95045 Taiwan |
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| Abstract: | Drawing from status quo bias theory and coping theory, this study examines how the inertial use of incumbent web payment (WP) services influences users’ intention to use new mobile payment (MP) services. By conducting an online survey (n = 491), this study reveals that inertia demonstrates triple effects on intention to use MP services: direct, bias, and moderating. The direct effect suggests that inertia directly decreases intention to use MP. The bias effect means that inertia leads to biased assessment of perceived value and perceived threat, thereby decreasing intention to use MP. The moderating effect denotes that inertia strengths the relationship between perceived controllability and intention to use MP. We expect that these findings can provide noteworthy insights for the intervention and prevention of inertia in the web-mobile payment transition context. |
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| Keywords: | Mobile payment services Web-mobile payment transition Inertia Status quo bias theory Coping theory Technology adoption and diffusion |
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