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Factors influencing the use of mobile payments — A conceptual model

The hype around mobile payments has been growing in Sri Lanka with the exponential growth of the mobile adoption and increasing connectivity to the Internet. Mobile payments offer advantages in comparison to other payment modes, benefiting both the consumer and the society at large. Drawing upon the traditional technology adoption theories, this research develops a conceptual framework to uncover the influential factors fundamental to the mobile payment usage. The phenomenon discussed in this research is the factors influencing the use of mobile payments. In relation to the topic, nine independent factors were selected and their influence is to be tested onto behavioral intention to use mobile payments. The questionnaires need to be handed out for data collection for correlation analyses to track the relationship between the nine independent variables and the dependent variable — behavioral intention to use mobile payments. The second correlation analysis between behavioral intention to mobile payments and mobile payment usage is also to be checked together with the two moderating variables — age and level of education.