Mobile payment systems offer enormous potential as alternative payment solutions. However, the diffusion of mobile payments over the years has been less than optimal despite the numerous studies that have explored the reasons for its adoption. Consequently, there is an increased interest in exploring alternative actions for promoting its diffusion, especially user recommendation of the technology. This is because positive recommendations can enormously influence the decisions of potential consumers to use the technology while negative recommendations can increase resistance to it. The few extant studies in this domain have followed the traditional survey approach with hypothetic-deductive reasoning, thus limiting an understanding of factors outside their conceptual models that could influence recommendations. To address this shortcoming, this study uses a qualitative text-mining approach that explores themes from user reviews of mobile payment applications (apps). Using 5955 reviews from 16 mobile payment apps hosted on the Google Play store, this study applied the latent Dirichlet allocation (LDA) text-mining method to extract themes from the reviews that help to explain why users provide positive or negative recommendations about mobile payment systems. A total of 13 themes (i.e. ease of use, usefulness, convenience, security, reliability, satisfaction, transaction speed, time-saving, customer support, output quality, perceived cost, usability and trust) were generated from the LDA model which provides both theoretical and practical insights for advancing mobile payments diffusion and research.

移动支付系统作为替代支付解决方案具有巨大的潜力。然而，尽管有大量研究探讨了采用移动支付的原因，但多年来移动支付的普及并不理想。因此，人们越来越有兴趣探索促进其传播的替代行动，尤其是用户对该技术的推荐。这是因为正面推荐会极大地影响潜在消费者使用该技术的决定，而负面推荐会增加对它的抵制。该领域现有的少数研究遵循传统的调查方法和假设演绎推理，从而限制了对其概念模型之外可能影响推荐的因素的理解。为了解决这个缺点，本研究使用定性文本挖掘方法，从用户对移动支付应用程序（应用程序）的评论中探索主题。本研究使用来自 Google Play 商店托管的 16 个移动支付应用程序的 5955 条评论，应用潜在狄利克雷分配 (LDA) 文本挖掘方法从评论中提取主题，这些主题有助于解释用户对移动支付系统提供正面或负面推荐的原因. LDA 模型共生成了 13 个主题（即易用性、实用性、便利性、安全性、可靠性、满意度、交易速度、节省时间、客户支持、输出质量、感知成本、可用性和信任），提供了推进移动支付传播和研究的理论和实践见解。