The interest in m-payments through mobile phones to replace the use of cash, credit cards or cheques is rapidly increasing in our society. The present study aims to examine the situation of near field communication (NFC) m-payment services along with the determinants of users’ continuance intention. To this intent, a sample of 1840 respondents with experience in using NFC payments participated in an online survey. During the first phase of this research, an structural equation modelling (SEM) technique was used to identify the acceptance predictors of mobile payments as well as to analyse the eventual moderating effect of the gender and age of the users of this tool. The second phase focused on the neural network model’s proficiency in assessing the relative impact of the most relevant predictors stemming from the aforementioned SEM analysis. The results obtained revealed subjective norms, risk, perceived usefulness, customer brand engagement and trust as the most significant antecedents of continuance intention towards NFC payments. The study also discusses the managerial implications derived from this research while assessing and suggesting potential user behaviour-based business opportunities for service providers.

通过移动电话代替现金，信用卡或支票对移动支付的兴趣在我们的社会中迅速增长。本研究旨在检查近场通信（NFC）移动支付服务的状况以及用户持续意愿的决定因素。为此，在1840名具有使用NFC付款经验的受访者中进行了抽样调查。在这项研究的第一阶段，使用结构方程模型（SEM）技术来确定移动支付的接受度预测指标，并分析该工具用户的性别和年龄的最终调节作用。第二阶段着重于神经网络模型在评估由上述SEM分析产生的最相关预测变量的相对影响方面的熟练程度。获得的结果表明，主观规范，风险，感知的有用性，客户品牌参与度和信任度是继续进行NFC付款的最重要先决条件。该研究还讨论了从该研究中得出的管理意义，同时评估并建议了服务提供商潜在的基于用户行为的商业机会。