Title: Why do merchants continue to use mobile payment? A data-information-value perspective

Authors: Yongqing Yang; Thomas Chesney; Shuiqing Yang; Zhangang Hao

Addresses: Shandong Technology and Business University, Yantai 264005, China ' University of Nottingham, Nottingham NG7 2RD, UK ' Zhejiang University of Finance and Economics, Hangzhou 310018, China ' Shandong Technology and Business University, Yantai 264005, China

Abstract: As an information-intensive service, mobile payment provides merchants with the possibility to obtain the real-time transaction data of customers, resulting in a new capability for merchants to get data-driven business intelligence for value creation. However, little is known about how the availability of this capability motivates merchants' continuance of mobile payment technology. Based on the data-information-value framework and perceived value theory, this study examines the influence of merchants' exploitation of the data on value creation and their continued usage of mobile payment. We departmentalise the new data-enabled capability into consumption data obtainment, customer relationship maintenance, analysis of consumption data. The results confirm their significant influence on perceived value creation for merchants and that perceived value creation significantly predicts merchants' continuance usage of mobile payment.

Keywords: mobile payment; continuance usage; perceived value creation; merchant; consumption data; customer relationship maintenance.

DOI: 10.1504/IJMC.2024.135690

International Journal of Mobile Communications, 2024 Vol.23 No.1, pp.110 - 125

Received: 29 Sep 2021
Accepted: 23 Mar 2022
Published online: 22 Dec 2023 *

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