A3 Book section, Chapters in research books
Factors inhibiting the adoption intention of digital payment platforms (2023)

Shaikh, A. A., Liébana Cabanillas, F. J., & Glavee-Geo, R. (2023). Factors inhibiting the adoption intention of digital payment platforms. In P. Kalmi, T. Auvinen, & M. Järvenpää (Eds.), Responsible Finance and Digitalization : Implications and Developments (pp. 140-154). Routledge. https://doi.org/10.4324/9781003144427-11

JYU authors or editors

Publication details

All authors or editorsShaikh, Aijaz A.; Liébana Cabanillas, Francisco J.; Glavee-Geo, Richard

Parent publicationResponsible Finance and Digitalization : Implications and Developments

Parent publication editorsKalmi, Panu; Auvinen, Tommi; Järvenpää, Marko



Publication year2023

Pages range140-154

Number of pages in the book296


Place of PublicationAbingdon

Publication countryUnited Kingdom

Publication languageEnglish


Publication open accessNot open

Publication channel open access

Publication is parallel published (JYX)https://jyx.jyu.fi/handle/123456789/82725


The aim of this study was to investigate how specific functional and psychological barriers can lead people to negatively perceive the value of mobile payment platforms, which could serve as an obstacle to their intention to adopt or continue using such platform. Unlike the plethora of studies that have examined the adoption of digital technologies, systems, and applications, in this study, we investigated the consumers’ resistance to digital payment platforms and the other barriers to the consumers’ adoption of such. The data were collected from Spain using a survey instrument. A total of 217 usable responses were collected and analyzed using the SmartPLS application. Our major findings suggest that the risk, traditional, and image barriers negatively influence the mobile payment platforms’ perceived value while the usage barrier does not, and that there is a strong relationship between consumers’ perception of the value of such platforms and consumers’ intention to adopt and continue using them.

Keywordsmobile servicesmobile paymentintroduction (implementation)adoption (cognition)user experiencebarrierspsychological factorsusage study

Contributing organizations

Ministry reportingYes

Reporting Year2023

Preliminary JUFO rating3

Last updated on 2024-03-04 at 19:49