The purpose of this paper is to develop a theoretical model based on Push–Pull–Mooring (PPM) framework consisting of direct, indirect and moderating effects, derived from technology acceptance model, unified theory of acceptance and use of technology and other extended theory, to address the main factor influencing an individual in adopting mobile payment (MP) in physical stores. The research, therefore, utilized individual switching behavior as an underpinning to explain MP adoption in an offline context.,The theoretical model was tested by collecting data from 459 respondents in Indonesia through online self-administered questionnaires.,The finding indicated consumer innovativeness has the most influential direct effect on MP adoption, followed by deal proneness, perceived convenience and perceived herd behavior. Meanwhile, perceived enjoyment and subjective norms were found to have an indirect effect on the adaptation of MP through mediator convenience. Furthermore, age, gender, occupation and income did not have any moderating effect for all the direct influence of MP adoption.,Previous literature only focused on direct intention. However, this study observed the adoption of MP in a physical store by involving the switching behavior. It specifically puts concern and objective as the factors that influence user intention to switch from their old payment system to the MP system in bricks and mortar store using PPM framework.

中文翻译：

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打算在实体店采用移动支付

本文旨在基于推挽式锚泊（PPM）框架开发一种理论模型，该模型包括直接，间接和调节效应，该模型是从技术接受模型，技术的接受和使用的统一理论以及其他扩展理论衍生而来的，解决影响个人在实体店中采用移动支付（MP）的主要因素。因此，该研究以个人转换行为为基础来解释离线环境下MP的采用。通过对印度尼西亚459名受访者通过在线自我管理的问卷调查收集的数据，对该理论模型进行了测试。结果表明，消费者创新具有对MP采纳最有影响的直接影响，其次是交易倾向性，可感知的便利性和可感知的从众行为。与此同时，通过调解员的便利性，发现感知的享受和主观规范对MP的适应有间接影响。此外，年龄，性别，职业和收入对采用MP的所有直接影响没有任何调节作用。以前的文献只关注直接意图。但是，这项研究通过涉及切换行为观察到在物理存储中采用MP。它特别提出了关注和目标，作为影响用户使用PPM框架从实体商店中的旧支付系统切换到MP系统的因素。先前的文献仅关注直接意图。但是，这项研究通过涉及切换行为观察到在物理存储中采用MP。它特别提出了关注和目标，作为影响用户使用PPM框架从实体商店中的旧支付系统切换到MP系统的因素。先前的文献仅关注直接意图。但是，这项研究通过涉及切换行为观察到在物理存储中采用MP。它特别提出了关注和目标，作为影响用户使用PPM框架从实体商店中的旧支付系统切换到MP系统的因素。