Mobile Payment Continuance Intention

Research output: ThesisDoctoral Thesis


The disruptive development of information and communication technologies over the last two decades has revolutionized the mobile phone industry, exponentially increased the number of mobile phone users, and encouraged companies to make various services available through a mobile phone. Mobile payment is one of the fastest growing services, enabling users to perform financial transactions over a mobile phone. The exponential growth of mobile payment has affected a number of sectors including finance and technology, thus reinforcing the need for a deep understanding of the impact of the continued use of mobile payment services. With this dissertation we contribute to a better understanding of the determinants of continuance intention to use mobile payment at the individual level. For this reason, were developed four studies, one literature review, and three empirical studies. In the first study (Chapter 2) we conducted a literature review of existing studies on individual continuance intention to use an information system. In Chapter 3 we assessed the continuance intention to use m-payment employing two theoretical models, the DeLone and McLean information system success model (D&M ISSM) and the expectation-confirmation model (ECM) in an African context. The impact of task technology fit (TTF) and overall trust on ECM to explain the continuance use of mpayment is analysed in Chapter 4. In the last study, Chapter 5, we assess the impact of culture on continuance intention to use m-payment, combining the ECM and Hofstede’s cultural dimensions. This dissertation provides several contributions for research and practice, contributing to the advancement of knowledge and implications for service managers, service providers, users, and researchers. The literature review applies meta-analysis and weight analysis from 115 empirical studies from continuance intention to use an information system (IS). The findings reveal that the factors with strongest influence on continuance intention to use an IS are affective commitment, attitude, satisfaction, hedonic value, and flow. Moreover, sample size, individualism, uncertainty avoidance, and long-term orientation moderate the relationship of perceived usefulness on continuance intention. Power distance, masculinity, and indulgence moderate the relationship of satisfaction on continuance intention. From the first empirical study we examine the influence individual performance drivers on continuance intention to use m–payment in an African context. We find that the most important predictors of continuance intention to use m-payment are individual performance, use, and satisfaction. The second empirical study integrates TTF and overall trust theories and evaluates their relationships for continuance intention to use mobile payment. Findings show that use, individual performance, overall trust, and the moderation role of satisfaction are the most important constructs to explain continuance intention. The last empirical study assesses the impact of culture on m-payment continuance intention. The findings reveal that the relationships between confirmation on satisfaction and perceived usefulness, and perceived usefulness on continuance intention are moderated by uncertainty avoidance.
Original languageEnglish
QualificationDoctor of Philosophy
Awarding Institution
  • NOVA Information Management School (NOVA IMS)
  • Oliveira, Tiago, Supervisor
  • Tam, Carlos, Supervisor
Award date8 Apr 2022
Publication statusPublished - 8 Apr 2022


  • mobile payment
  • continuance intention
  • ECM
  • D&M ISSM
  • TTF
  • trust
  • culture
  • african context
  • pagamento móvel
  • intenção de continuar
  • confiança
  • cultura
  • contexto africano


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