USP Electronic Research Repository

Why have consumers opposed, postponed, and rejected innovations during a pandemic? A study of mobile payment innovations

Talwar, Shalini and Talwar, Manish and Kaur, Puneet and Singh, Gurmeet and Dhir, Amandeep (2021) Why have consumers opposed, postponed, and rejected innovations during a pandemic? A study of mobile payment innovations. Australasian Journal of Information Systems, 25 . pp. 1-27. ISSN 1449-8618

[img] PDF - Published Version
Restricted to Repository staff only

Download (791kB)


The highly infectious nature of the COVID-19 virus has made the use of contactless payment methods a health exigency. Yet, consumers are resisting using mobile payments (m-payments) during the pandemic, a confounding behavior that needs to be better understood. The present study explicates this behavior by examining consumer resistance to m-payments during the COVID-19 pandemic. In addition, it provides more granular findings by measuring three levels of resistance/non-adoption, namely, postponement, opposition, and rejection. In this way, the study adds depth to the literature, which has largely examined resistance at an aggregate level to yield generic findings. Toward this end, the study draws upon the Innovation Resistance Theory (IRT) to propose that usage, value, risk, tradition, and image barriers influence the three levels of resistance/non-adoption differently. An artificial neural network analysis (ANN) of the data collected from 406 non-users of m-payments confirmed that the influence of the five barriers varies for the three levels of resistance/non-adoption. The results further suggest that the usage barrier is the most significant contributor to opposition and rejection intentions toward m-payments, whereas the image barrier is the most influential for postponement intentions. This study thus makes a useful contribution to theory and practice.

Item Type: Journal Article
Subjects: H Social Sciences > H Social Sciences (General)
Divisions: School of Business and Management (SBM)
Depositing User: Gurmeet Singh
Date Deposited: 23 Nov 2021 00:13
Last Modified: 20 May 2022 10:30

Actions (login required)

View Item View Item

Document Downloads

More statistics for this item...