Understanding consumer acceptance of mobile payment services: An empirical analysis

Paul Gerhardt Schierz, Oliver Schilke, Bernd W. Wirtz

Research output: Contribution to journalArticlepeer-review

662 Scopus citations


Mobile technology has become increasingly common in today's everyday life. However, mobile payment is surprisingly not among the frequently used mobile services, although technologically advanced solutions exist. Apparently, there is still a lack of acceptance of mobile payment services among consumers. The conceptual model developed and tested in this research thus focuses on factors determining consumers' acceptance of mobile payment services. The empirical results show particularly strong support for the effects of compatibility, individual mobility, and subjective norm. Our study offers several implications for managers in regards to marketing mobile payment solutions to increase consumers' intention to use these services.

Original languageEnglish (US)
Pages (from-to)209-216
Number of pages8
JournalElectronic Commerce Research and Applications
Issue number3
StatePublished - 2010


  • Consumer mobility
  • EQS
  • Intention to use
  • Mobile payment
  • Perceived ease of use
  • Perceived risk
  • Perceived usefulness
  • Structural equation modeling
  • Subjective norm
  • Technology acceptance model (TAM)

ASJC Scopus subject areas

  • Computer Science Applications
  • Computer Networks and Communications
  • Marketing
  • Management of Technology and Innovation


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