Understanding mobile payment continuance usage in physical store through social impact theory and trust transfer

Purpose: This study aimed to understand mobile payment (MP) continuance usage in physical settings from trust and social experience perspective. A theoretical model was proposed based on trust transfer and social impact to reveal the factors influencing user intention to continually use MP. Design/methodology/approach: Structural equation modeling (SEM) analysis was used on 308 respondents from Indonesia to examine the theoretical model while principal component factor analysis and descriptive statistics were utilized for data preparation. Findings: The findings revealed the Perceived Herd behavior had the most significant contribution to Trust formation followed by Perceived Risk and Para-social interaction while the analysis of indirect and moderating effect was also significant in enriching the result. Originality/value: This study postulated social experience as an antecedent factor to the formation of Trust in the MP continuance usage context. Moreover, while the commonly explored direct effect was investigated, the indirect effect and moderating impact that has not been addressed adequately in previous MP studies were also analyzed and this can be considered as a contribution to the body of knowledge.