Artículo
What drives consumers to use P2P payment systems? An analytical approach based on the stimulus– organism–response (S-O-R) model
Autor/es | Irimia Diéguez, Ana Isabel
Liébana-Cabanillas, Francisco Blanco Oliver, Antonio Jesús Lara Rubio, J. |
Departamento | Universidad de Sevilla. Departamento de Economía Financiera y Dirección de Operaciones |
Fecha de publicación | 2023 |
Fecha de depósito | 2024-01-09 |
Publicado en |
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Resumen | Purpose – Traditional payment systems based on cash and bank cards are being replaced by new innovative
formats. This research analyzes the success factors in the adoption by customers of Bizum, a peer-to-peer (P2P)
mobile ... Purpose – Traditional payment systems based on cash and bank cards are being replaced by new innovative formats. This research analyzes the success factors in the adoption by customers of Bizum, a peer-to-peer (P2P) mobile payment system widely used in Spain. This study proposes a theoretical framework based on the Stimulus–Organism–Response (S-O-R) model and includes the analysis of the moderating effect of perceived risk and the mediating effect of perceived trust. Design/methodology/approach – To achieve the proposed objectives, an online questionnaire was administered to 701 Spanish smartphone users, potential users of the proposed P2P payment systems. Findings – The results show that perceived usefulness is the most important predictor of intention to use. Additionally, a medium predictive relevance performance of the proposed model is found. Originality/value – This research contributes to a more holistic understanding of the adoption of P2P payment systems and provides new business opportunities that companies can exploit through the use of this technology. |
Cita | Irimia Diéguez, A.I., Liébana-Cabanillas, F., Blanco Oliver, A.J. y Lara Rubio, J. (2023). What drives consumers to use P2P payment systems? An analytical approach based on the stimulus– organism–response (S-O-R) model. European Journal of Management and Business Economics. https://doi.org/10.1108/ejmbe-12-2022-0374. |
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