From Traditional Payment to Mobile Payment – Examining the Antecedents and Consequences of Hongkonger’s Mobile Payment Habit

Abstract

Recently, mobile payment platforms such as NFC based Apple pay, and the QR code encrypted Alipay, gradually entered the new mobile payment market - Hong Kong. However, most of the local consumers are hesitating to continue using these mobile payment platforms after an initial try. We believe this is largely because of the presence of the entrenched traditional payment habits. On the basis of psychology theory of habit, this study explores the influence of the traditional payment habit on the new mobile payment habit, especially in the early stage of mobile payment market. It also investigates the antecedents and consequences of mobile payment habit. Based on the two habit learning mechanisms, facilitating conditions (as an associative mechanism) and perceived usefulness and enjoyment (as two reward mechanisms) are predictors of mobile payment habit; continuance intention of mobile payment and continuance use of mobile payment become the outcomes of mobile payment habit.