Consumer Behavior

Are we all the same when migrating to mobile pay? A PPM analysis of generational mobile usage intention

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Abstract

The Push-Pull-Mooring framework is adopted to identify the antecedents affecting U.S. consumers' usage of mobile payments while also including the Unified Theory of Acceptance and Use of Technology. Using the survey data of 1,130 participants, the results of SEM analysis show that push (trust and risk), pull (performance expectancy, effort expectancy, and social influence), as well as mooring (generational cohorts) were direct antecedents affecting consumers' attitudes and behavioral use intention for mobile pay. The results indicated that the push and pull effect significantly influenced attitudes toward mobile pay usage and, in turn, mobile payment usage intentions. In addition, the mooring effect moderated the relationship between push and pull effects, suggesting fashion retailers should be aware of the potential obstacle of generational belonging. Implications of findings are provided to guide fashion retailers and mobile pay platforms to help transition to mobile pay. 

Keywords: mobile pay, push-pull-mooring theory, UTAUT

How to Cite:

Martinez, B. & McAndrews, L. E., (2024) “Are we all the same when migrating to mobile pay? A PPM analysis of generational mobile usage intention”, International Textile and Apparel Association Annual Conference Proceedings 80(1). doi: https://doi.org/10.31274/itaa.17526