Factors influencing the acceptance of proximity mobile payment in Germany: The example of Apple Pay

Silke Finken and Louisa Heiduk
Additional contact information
Silke Finken: Professor of Innovation Management, International School of Management, Germany
Louisa Heiduk: Consultant, Horváth & Partners Management Consultants, Germany

Journal of Payments Strategy & Systems, 2021, vol. 15, issue 1, 92-108

Abstract: This study is one of the first to analyse the factors driving the adoption of proximity mobile payments in Germany, with a specific focus on Apple Pay. It employs a mixed-methods approach based on 14 qualitative interviews with specialists from the financial service sector and a quantitative online survey with 617 participants. The aim is to better understand the factors enhancing and inhibiting the growth of proximity mobile payment solutions, and to generate insights regarding the characteristics of early adopters of Apple Pay in Germany. The authors investigated a range of factors from existing technology acceptance research as well as additional aspects concerning brand perception and sociodemographic factors to identify significant differences between users and non-users of Apple Pay. The most pronounced differences concerned personal willingness to innovate, followed by perceived concerns regarding the risk associated with mobile payments, the perception of Apple as a secure provider, the perceived trustworthiness of technology providers in general, social influences, gender, and the user’s desire to be perceived as tech-savvy. Additionally, the perceived benefits of mobile payments, reasons for non-usage, as well as further potential valueadded services to enhance future user experience were analysed and appropriate recommendations derived.

Keywords: Apple Pay; proximity mobile payment; NFC; mobile payment; diffusion of innovation; technology acceptance (search for similar items in EconPapers)
JEL-codes: E5 G2 (search for similar items in EconPapers)
Date: 2021
References: Add references at CitEc
Citations: View citations in EconPapers (1)

Downloads: (external link)
https://hstalks.com/article/6189/download/ (application/pdf)
https://hstalks.com/article/6189/ (text/html)
Requires a paid subscription for full access.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:aza:jpss00:y:2021:v:15:i:1:p:92-108

Access Statistics for this article

More articles in Journal of Payments Strategy & Systems from Henry Stewart Publications
Bibliographic data for series maintained by Henry Stewart Talks ().