Navigating Trust in Mobile Payments: Using Necessary Condition Analysis to Identify Must-Have Factors for User Acceptance

Abstract

Drawing upon the mobile technology acceptance model (MTAM), this study addresses this conspicuous gap by identifying the necessary conditions for fostering trust and usage intention of mobile payment (m-payment) gateways. Data collected from 218 users of mobile-payment from Malaysia were analyzed using partial least squares structural equation modeling (PLS-SEM) to identify the should-have factors for perceived trust and intention to use mobile payment gateways. In addition, necessary condition analyses (NCA) are utilized to identify the must-have factors for perceived trust and intention to use mobile payment gateways. Results revealed that other factors of mobile usefulness, perceived security, and user mobility explained perceived trust except for mobile ease of use. In turn, mobile usefulness, user mobility, perceived security, mobile ease of use, and perceived trust established a positive relationship with intention to use. The NCA complemented these results showing that mobile usefulness, mobile ease of use, and user mobility qualified as necessary and sufficient conditions for perceived trust with medium-sized effect and mobile usefulness is qualified as a medium-sized necessary and sufficient condition for intention to use. This is the first few article that extends earlier literature by offering arguments on the different aspects of MTAM. By using NCA, we provide theoretical and methodological evidences, we identify which are the essential ones that enhances trust and usage.