Facial recognition payment is cool: coolness, inspiration, and customer continuance intention to use facial recognition payment

Wei Gao (), Ning Jiang () and Qingqing Guo ()
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Wei Gao: Southwest University
Ning Jiang: Shanghai Jiao Tong University
Qingqing Guo: East China University of Political Science and Law

Financial Innovation, 2025, vol. 11, issue 1, 1-22

Abstract: Abstract Facial recognition payment (FRP), a new method of contactless payment, has attracted considerable attention over the past few years. However, the research on this topic remains nascent. This study assessed the drivers of customers’ FRP continuance intention from the perspectives of coolness and inspiration. We use online survey data from 610 Chinese FRP customers as the basis for our conceptual model. The results show that the coolness factors of subculture, attractiveness, utility, and originality have positive and significant effects on customers’ inspired-by states and that subculture and utility also promote inspired-to. Inspired-by is positively associated with inspired-to, which in turn enhances customers’ FRP continuance intention. Furthermore, the relationship between inspired-to and FRP continuance intention is negatively moderated by financial risk. In addition to contributing to the literature on FRP, coolness, and customer inspiration, this study offers several suggestions for implementing and developing FRP systems.

Keywords: Facial recognition payment; Coolness; Customer inspiration; Perceived risk; Continuance intention (search for similar items in EconPapers)
Date: 2025
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DOI: 10.1186/s40854-024-00697-1

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