Investigating American iPhone Users’ Intentions to Use NFC Mobile Payments in Hotels

Abstract

Recently, a series of events (e.g., Near Field Communication (NFC) hardware becoming mainstream, the deadline given to merchants to accept EMV (chip-based) cards) precipitated the development of an infrastructure that increasingly accommodates NFC mobile payments (NFC-MP) in the U.S. Within the landscape of the American NFC-MP, an important role is occupied by the Apple NFC-MP ecosystem. Drawing from the neo-classic technology adoption and regulatory focus theory, this study developed a conceptual model that explicates iPhone users’ intentions to use NFC-MP in hotels. Using data collected from a sample of 347 U.S. iPhone users, the model was validated empirically, providing a mapping of the factors that influence intentions to use NFC-MP in hotels. The study validated hedonic motivation and performance expectancy as the most critical predictors of intentions, and recognized the more modest roles of privacy concerns and prevention focus in influencing intentions.