A review on evolution of e-commerce user acceptant behaviour under collaborative commerce: a study based on Sri Lanka

The main purpose of this study is to identify mobile payment opportunities and what factors affect the user acceptance of mobile payments in Sri Lanka. This study was carried out through a situational analysis and an in-depth questionnaire survey. This study identifies Perceived Usefulness (PU), Perceived Ease Of Use (PEOU), Perceived Mobility (PM), Perceived Cost (PC), Perceived Stability (PS) and Product Communication (PCom) as the main factors that influence the behaviour of the Sri Lankan public with respect to mobile payment services. While the first four factors are derived from the COMPASS acceptance model, the other two factors are a reflection of specific needs by the Sri Lankan public. Furthermore, PEOU, PU, PS and PCom have been identified as the major influencing factors, while PM and PC are of lesser importance. The methodology employed and the policies derived can be used as guides to similar types of research in other countries and to establish an effective mobile payments scheme.