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Understanding Drivers and Barriers Affecting Merchants' Adoption of Mobile Payments: An Empirical Research and Theoretical Review Focused in Spain
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Author(s): Francisco J. Liébana-Cabanillas (University of Granada, Spain), Luis-Alberto Casado-Aranda (UDIMA, Spain), Diego Gómez-Carmona (University of Cadiz, Spain)and Elena Higueras-Castillo (University of Granada, Spain)
Copyright: 2020
Pages: 23
Source title:
Impact of Mobile Services on Business Development and E-Commerce
Source Author(s)/Editor(s): Francisco Liébana (University of Granada, Spain), Zoran Kalinić (University of Kragujevac, Serbia), Iviane Ramos de Luna (Open University of Catalonia, Spain)and Inma Rodríguez-Ardura (Open University of Catalonia, Spain)
DOI: 10.4018/978-1-7998-0050-7.ch003
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Abstract
The aim of this chapter is to explore the determinants of mobile payment from the merchants' perspective through a bibliographical review and a qualitative and quantitative study to determine the factors that encourage or obstruct the use of mobile payment tools by merchants. This chapter presents a qualitative and quantitative study on the adoption of mobile payment from the merchants' perspective based on a previous literature review. The results reveal the main barriers in the adoption of the new mobile payment systems (users' lack of knowledge, trust in the payment system, cost of the payment system adoption, and lack of security) as well as the main advantages perceived by merchants (convenience and speed, security, and higher turnover). According to these results, several proposals are put forward for each participant in the adoption process to promote the use of mobile payments as well as some future lines of research.
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