Factors Affecting Mobile Payment Adoption: A Systematic Literature Review and Some Future Research Directions

Abstract

This study analyzes previously published research on the topic of mobile payments. The authors have selected 85 English-written studies in reliable journals from 2017 to 2022 through various scientific data sources. The objective of this study was to investigate the factors influencing mobile payments adoption. From the results obtained, this research found that Subjective Norms/Social Influence and Facilitating Conditions were the most mentioned in the research on mobile payment adoption. India is the country with the most research on mobile payment adoption, followed by China and Indonesia. Developed countries need to be more active in this area of research. Finally, most of the research on mobile payments regarding mobile payment adoption comes from the customer's perspective. Future studies should explore the factors influencing the decision to use mobile payments from different perspectives not only from customers but also from governments and businesses providing this service. Keywords: mobile payment, systematic literature review, adoption