An integrated value-risk investigation of contactless mobile payments adoption

Mihail Cocosila, Houda Trabelsi

Research output: Contribution to journalJournal Articlepeer-review

82 Citations (Scopus)


The objective of this study is to investigate empirically consumer adoption views on credit card contactless payments with smartphones. Contactless Near Field Communication (NFC) mobile payments have unquestionable advantages but may also face some user doubts. To investigate consumer possible dual views about this new mobile service, a third-order innovative factor integrating value and risk perceptions was developed and validated empirically in an adoption model through a survey involving 289 participants. Findings indicate that the integrated value-risk perception is a significant factor of adoption of NFC payments with smartphones having utilitarian and enjoyment values as the main user motivators, and psychological and privacy risks as the most important deterrents. Overall, this study proposes a broader view of the consumer perceptions of value by integrating value and risk into an unbiased model of technology adoption.

Original languageEnglish
Pages (from-to)159-170
Number of pages12
JournalElectronic Commerce Research and Applications
Publication statusPublished - 1 Nov. 2016


  • Adoption
  • Near field communication mobile payments
  • Perceived risk
  • Perceived value
  • Radio Frequency Identification


Dive into the research topics of 'An integrated value-risk investigation of contactless mobile payments adoption'. Together they form a unique fingerprint.

Cite this