Examining the determinants of continuance intention to use and the moderating effect of the gender and age of users of NFC mobile payments: a multi-analytical approach

Abstract

The interest in m-payments through mobile phones to replace the use of cash, credit cards or cheques is rapidly increasing in our society. The present study aims to examine the situation of near field communication (NFC) m-payment services along with the determinants of users’ continuance intention. To this intent, a sample of 1840 respondents with experience in using NFC payments participated in an online survey. During the first phase of this research, an structural equation modelling (SEM) technique was used to identify the acceptance predictors of mobile payments as well as to analyse the eventual moderating effect of the gender and age of the users of this tool. The second phase focused on the neural network model’s proficiency in assessing the relative impact of the most relevant predictors stemming from the aforementioned SEM analysis. The results obtained revealed subjective norms, risk, perceived usefulness, customer brand engagement and trust as the most significant antecedents of continuance intention towards NFC payments. The study also discusses the managerial implications derived from this research while assessing and suggesting potential user behaviour-based business opportunities for service providers.