An innovation resistance theory perspective on mobile payment solutions

Puneet Kaur*, Amandeep Dhir, Naveen Singh, Ganesh Sahu, Mohammad Almotairi

*Corresponding author for this work

Research output: Contribution to journalArticleScientificpeer-review

80 Citations (Scopus)
110 Downloads (Pure)


Mobile payment solutions (MPSs) are experiencing growth and popularity across the globe because of their convenience and other benefits in performing transactions. However, despite these circumstances and the benefits offered, MPSs are still suffering from challenging situations related to their adoption and usage. The main challenge MPSs have faced in retail is because of the presence of consumer resistance toward their use. The present study investigates the different consumer barriers toward the intentions to use and recommend MPSs. The current study examines the adoption and usage of MPSs through the lens of innovation resistance. We developed the research model based on the innovation resistance theory (IRT) and tested it using a large cross-sectional study with 1256 MPS users. The study findings suggest that usage, risk, and value barriers are negatively associated with intentions to use MPSs. On the other hand, only usage and value barriers have a negative association with users’ intention to recommend MPSs. In comparison, the tradition and image barriers did not share any association with the user intentions. The study offers different implications for practitioners and researchers.

Original languageEnglish
Article number102059
Number of pages11
JournalJournal of Retailing and Consumer Services
Publication statusPublished - Jul 2020
MoE publication typeA1 Journal article-refereed


  • Consumer behavior
  • Innovation resistance theory (IRT)
  • Intentions to recommend
  • Mobile payments
  • Resistance
  • Use intention


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