Adoption of mobile payment systems: a study on mobile wallets

This study aims to understand the factors contributing to consumer attitude development towards and intention to use mobile payment systems. One of major mobile network operators' mobile wallet application in Turkey was used as a proxy of the mobile payment systems. Survey methodology is used to collect data from subscribers by stratified random sampling among two distinct groups (users and nonusers). A total of 1395 questionnaires were collected from subscribers and analyzed using partial least squares structural equation modeling. The findings highlight the importance of ease of use and usefulness in attitude development. On the other hand, security concerns were found to have low level of effects on attitudes and use intentions. Effect of social influence was found to be insignificant among the users. There were differences between users' and non-users' perceptions and beliefs indicated by significant differences in the majority of the constructs employed in the study.