Paying mobile at the point of sale - a question of culture?

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Fischer, Maximilian ; Reith, Riccardo ; Lis, Bettina:
Paying mobile at the point of sale - a question of culture?
Bayreuth , 2020 . - 49 S.
DOI: https://doi.org/10.15495/EPub_UBT_00004719

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Abstract

Contrary to the USA, the breakthrough of mobile payment (MP) in Germany has not yet been realized. Based on an extended technology acceptance model (TAM), we therefore analyzed the moderating effects of Hofstede’s cultural dimensions on technological, social, and trust-related aspects influencing the behavioral intention towards using MP. We identified that the impact of social influence on the intention to use MP is stronger affecting German inhabitants. Except for this, culture could not be detected as a moderator within our study. Nevertheless, we identified that the trust in MP, the perceived usefulness, as well as the social influence have the strongest impact on the intention to use in both countries. The results reinforce the importance of emphasizing the trustworthiness of the systems and contribute to MP research across countries.