Irimia Diéguez, Ana IsabelLiébana-Cabanillas, FranciscoBlanco Oliver, Antonio JesúsLara Rubio, J.2024-01-092024-01-092023Irimia 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-12-2022-0374.2444-84942444-8451https://hdl.handle.net/11441/153074Purpose – 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.application/pdf25 p.engAtribución 4.0 Internacionalhttp://creativecommons.org/licenses/by/4.0/P2P payment systemsIntention to useS-O-R modelPerceived riskinfo:eu-repo/semantics/articleinfo:eu-repo/semantics/openAccesshttps://doi.org/10.1108/ejmbe-12-2022-0374