Title: Analysis of mobile pre-payment (pay in advance) and post-payment (pay later) services

Authors: Francisco-Jose Molina-Castillo; Alicia Rodriguez-Guirao; Carolina Lopez-Nicolas; Harry Bouwman

Addresses: Departamento de Comercialización e Investigación de Mercados, Campus Espinardo, Murcia, Spain ' Departamento de Comercialización e Investigación de Mercados, Campus Espinardo, Murcia, Spain ' Departamento de Organización de Empresas y Finanzas, Campus Espinardo, Murcia, Spain ' Delft University of Technology, Policy and Management, P.O. Box 5015, 2600 GA Delft, The Netherlands

Abstract: The diffusion of mobile payments (M-payments) is still in its early stages and further research is needed to understand what motivates or restricts people's behaviour when using mobile services. Based on a sample of Dutch mobile service users, this study analyses the antecedents of two types of M-payments, those that take place before a product is acquired (pre-payment services) and those that take place at the same time or immediately after the product is acquired (post-payment services). We identified a number of reasons why mobile services have not yet found a place in people's daily routines and provide recommendations for the development of future M-payments.

Keywords: customer behaviour; mobile payment; m-payment; mobile services; m-services; motivation theory; pay in advance; pay later; post-payment; pre-payment; self efficacy theory; TAM; technology acceptance model; The Netherlands.

DOI: 10.1504/IJMC.2016.078725

International Journal of Mobile Communications, 2016 Vol.14 No.5, pp.499 - 517

Received: 02 Feb 2015
Accepted: 09 Mar 2016
Published online: 01 Sep 2016 *

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