Demand for contactless payments has increased worldwide, but adoption varies by country. We propose a more parsimonious Diffusion of Innovations model (i.e., complexity is dropped and compatible advantage replaces relative advantage and compatibility) to investigate mobile wallet adoption, but with context-relevant extensions of security, privacy and ubiquity. The model is empirically tested for Canada, Germany and the United States. The findings support the proposed model. Furthermore, we find ubiquity, privacy concerns and security risks vary by country, and ubiquity plays a mediating role. This model can be utilized in future mobile app studies and provides country-specific guidance to practitioners.

全球对非接触式支付的需求有所增加，但采用情况因国家/地区而异。我们提出了一个更简约的创新扩散模型（即降低了复杂性，兼容优势取代了相对优势和兼容性）来研究移动钱包的采用，但具有安全性、隐私性和普遍性的上下文相关扩展。该模型在加拿大、德国和美国进行了实证检验。研究结果支持所提出的模型。此外，我们发现无处不在、隐私问题和安全风险因国家/地区而异，而无处不在起着中介作用。该模型可用于未来的移动应用研究，并为从业者提供针对特定国家的指导。