Can cluster analysis enrich the innovation resistance theory? The case of mobile payment usage in Italy
Bibliographic Data
| ID | 11237469 |
|---|---|
| Authors | Giulia Spinelli (0000-0002-4138-2506, Politecnico di Milano, corresponding author), Luca Gastaldi (0000-0003-1997-8423, Politecnico di Milano), Leo Van Hove (0000-0001-7546-7746, Vrije Universiteit Brussel), Ellen Van Droogenbroeck (0000-0001-7043-2376, Vrije Universiteit Brussel) |
| Year | 2024 |
| Volume | 79 |
| Pages | 102729 |
| Publication date | 2024-12-01 |
| Peer Reviewed | Yes |
| Open Access | Yes |
| Type | ARTICLE |
| Venue | Technology in Society (JOURNAL) |
| Journal identifiers | ISSN: 0160-791X • E-ISSN: 1879-3274 |
| Publisher | Elsevier BV (PUBLISHER) |
| DOI | 10.1016/j.techsoc.2024.102729 |
| OpenAlex | W4403157554 |
| Language | EN |
| Citations received | 2 |
| References cited | 39 |
Mobile payments provide several benefits, for consumers and merchants alike. Yet, on a worldwide scale their usage is still low. Also, the barriers to mobile payment usage are still a rather unexplored topic in the literature, which is instead focused on adoption behavior. Accordingly, our objective is to investigate the factors that hinder, respectively, mobile payment usage and intention to use by consumers. The theoretical framework for our analysis integrates the Technology Readiness Index (TRI) into the Innovation Resistance Theory (IRT). To empirically assess the model, we gathered data on mobile payment usage in Italy through a web-based survey among 1,795 consumers. For the full sample, we find that the impact of the IRT barriers is different for actual use and behavioral intention to use. Also, and most importantly, once we segment consumers based on their TRI, we find yet other results. Specifically, the impact of the IRT barriers is different across the proposed clusters. This confirms that cluster analysis does indeed add value to the IRT. • We apply the Innovation Resistance Theory to the adoption of mobile payments • We enrich it by clustering consumers based on their Technology Readiness Index • We find that the barriers to adoption are effectively different across clusters • For example, the risk barrier is significant for Skeptics but not for Explorers • The impact of the barriers on postponement is also different compared to use
Biology · Business · Cluster (spacecraft · Economic geography · Economics · Industrial organization · Mobile payment · Payment · Regional science · Resistance (ecology · Sociology · Computer Science · Digital Platforms and Economics · FinTech, Crowdfunding, Digital Finance · ICT Impact and Policies · Finance
Consumer Resistance to Innovations
Consumer adoption versus rejection decisions in seemingly similar service innovations
An innovation resistance theory perspective on mobile payment solutions
Mobile payment
Consumers’ Resistance to Digital Innovations
The impact of smart tourism technology and domestic travelers' technology readiness on their satisfaction and behavioral intention
Barrier-breakers’ influence on full-adoption of digital payment methods
Prohibitive factors to the acceptance of Internet of Things (IoT) technology in society
| Unique citing works | 2 |
|---|---|
| Citations per year | 2 |
| Citation span | 2025 - 2025 (1) |
| Citation velocity | recent |
| Highly cited | No |
| Citation types | Neutral: 2 |