Abstract

This study examines the antecedents of the intention to use m-payment applications for lower-income urban users. Using the unique socioeconomic stratification system of Colombia, this is the first study to integrate facilitating conditions and self-image congruence constructs with the technology acceptance model for this consumer group. In elucidating the perceptions of these m-payment users, we give relevance to their personal characteristics and lifestyles and articulate how the self-concept is influenced by sources of information. Perceived usefulness and perceived ease of use were the main direct antecedents, respectively, while risk had less influence. Moreover, facilitating conditions and congruence were significant in explaining intention to use and served as antecedents of resistance for using m-payment apps. The managerial implications are that marketing messaging and application design should thematically integrate representations, images, and expressions shared among these consumers to increase self-image congruence and enhance perceived utility and ease of use of m-payment apps.

摘要

本研究考察了低收入城市用户使用移动支付应用程序的意图的前因。利用哥伦比亚独特的社会经济分层系统，这是第一项将便利条件和自我形象一致性结构与该消费者群体的技术接受模型相结合的研究。在阐明这些移动支付用户的看法时，我们给予他们个人特征和生活方式的相关性，并阐明自我概念如何受到信息来源的影响。感知有用性和感知易用性分别是主要的直接前因，而风险的影响较小。此外，便利条件和一致性在解释使用意图方面具有重要意义，并成为阻碍使用移动支付应用程序的先决条件。