Victoria University

Factors Influencing Consumer Trust in Mobile Payments in the United Arab Emirates

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dc.contributor.advisor Lehmann, Hans
dc.contributor.advisor Hooper, Val
dc.contributor.advisor Hooper, Tony Shuhaiber, Ahmed 2016-06-24T04:25:26Z 2016-06-24T04:25:26Z 2016 2016
dc.description.abstract While mobile payments have been adopted by a huge number of businesses, the body of knowledge regarding user trust in mobile payments shows that trust is a major issue in its adoption and development. The purpose of this study was to better understand the factors that influence consumer trust in mobile payments in one significant country in this region; The United Arab Emirates (UAE) as the research region. The UAE is one of the leading economies in the Middle East Arab region, and mobile technology is well advanced and widely utilised. An analysis of relevant literature provided the basis for the development of a conceptual model. The model, classified into five logical groups (consumer characteristics, environmental influences, provider characteristics, perceived risks and mobile-device characteristics), was further explored, validated, extended and tested through a mixed-method methodology, combining both qualitative (phase one) and quantitative (phase two) approaches, with semi-structured interviewing in exploratory focus groups and an online survey being used respectively. The findings of the qualitative phase were used to clarify the appropriateness of the preliminary Consumer Trust in Mobile Payments (CTMP) model, which was accordingly revised and extended. The second phase (the quantitative approach) was based on a survey of 340 respondents in the UAE. The collected data were analysed by using Structural Equation Modelling with the Partial Least Squares (PLS-SEM) approach. Many of the factors in the qualitative CTMP model were successfully validated and statistically significant. The resulting, quantitatively weighted CTMP model shows that users‟ awareness and provider‟s trustworthiness are the most positive influential factor, followed by perceive security levels and device-design suitability. Customers‟ uncertainty avoidance, on the other hand, is the most negatively influential factor on trust, followed by perceived privacy risks associated with m-payments. The model contributes towards better acceptance and usage of mobile payments. The findings also provide a number of theoretical implications for academic research and useful information for practitioners. en_NZ
dc.language.iso en_NZ
dc.publisher Victoria University of Wellington en_NZ
dc.subject Mobile payments en_NZ
dc.subject Consumer Trust en_NZ
dc.subject Trust factors en_NZ
dc.title Factors Influencing Consumer Trust in Mobile Payments in the United Arab Emirates en_NZ
dc.type Text en_NZ
vuwschema.contributor.unit School of Information Management en_NZ
vuwschema.type.vuw Awarded Doctoral Thesis en_NZ Information Systems en_NZ Victoria University of Wellington en_NZ Doctoral en_NZ Doctor of Philosophy en_NZ
vuwschema.subject.anzsrcfor 080606 Global Information Systems en_NZ
vuwschema.subject.anzsrcfor 080609 Information Systems Management en_NZ
vuwschema.subject.anzsrcfor 080611 Information Systems Theory en_NZ
vuwschema.subject.anzsrcfor 080699 Information Systems not elsewhere classified en_NZ
vuwschema.subject.anzsrcseo 970108 Expanding Knowledhe in the Information and Computing Sciences en_NZ

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