Przejdź do sekcji głównej Przejdź do głównego menu Przejdź do stopki
  • Zarejestruj
  • Zaloguj
  • Język
    • English
    • Deutsch
    • Język Polski
    • Español (España)
    • Italiano
    • Français (Canada)
    • Čeština
    • Français (France)
    • Hrvatski
    • Srpski
    • Українська
  • Menu
  • Strona domowa
  • Forthcoming
  • Aktualny numer
  • Archiwum
  • PUBLICATION ETHICS
  • Ogłoszenia
  • O czasopiśmie
    • O czasopiśmie
    • Przesyłanie tekstów
    • Zespół redakcyjny
    • Polityka prywatności
    • Kontakt
  • Zarejestruj
  • Zaloguj
  • Język:
  • English
  • Deutsch
  • Język Polski
  • Español (España)
  • Italiano
  • Français (Canada)
  • Čeština
  • Français (France)
  • Hrvatski
  • Srpski
  • Українська

Copernican Journal of Finance & Accounting

NFC, Wearables and QR Code in POS Payments: Determinants of Adoption of the Leading Mobile Payment Technologies in Europe
  • Strona domowa
  • /
  • NFC, Wearables and QR Code in POS Payments: Determinants of Adoption of the Leading Mobile Payment Technologies in Europe
  1. Strona domowa /
  2. Archiwum /
  3. Tom 13 Nr 4 (2024) /
  4. Artykuły

NFC, Wearables and QR Code in POS Payments: Determinants of Adoption of the Leading Mobile Payment Technologies in Europe

Autor

  • Mikołaj Borowski-Beszta Nicolaus Copernicus University in Toruń https://orcid.org/0000-0001-6590-4279
  • Michał Polasik Nicolaus Copernicus University in Toruń https://orcid.org/0000-0002-7790-4839
  • Andrzej Meler Nicolaus Copernicus University in Toruń https://orcid.org/0000-0001-8769-8752
  • Anna Borowska-Beszta Nicolaus Copernicus University in Toruń https://orcid.org/0000-0002-6876-9866

DOI:

https://doi.org/10.12775/CJFA.2024.016

Słowa kluczowe

mobile payments, mobile banking, NFC, wearables, QR codes

Abstrakt

Digital technologies are increasingly important in the European payment services market. The study examined NFC mobile payments, wearables payments, and QR code payments, to determine the potential for development in the European market. The paper aims to explain the factors determining consumers' intention to use or reject these technologies following the TAM methodology. Within the study, a pan-European survey using the CAWI method was conducted on a sample of n = 5,504 respondents from 22 countries. Quantitative analysis was performed using logit models. The results confirmed that the most important, positively influencing factors are the Perceived Usefulness and Perceived Ease of Use of studied payment methods. Moreover, the preference for anonymity and trust of service providers impact the intention to use mobile payment technologies. It turned out that education level and knowledge of technology play an essential role. The study showed that Europe has the market space for all three mobile payment technologies. However, NFC payments have advantages in the European market due to consumers' declared interests and widespread acceptance infrastructure among merchants.

Bibliografia

Alalwan, A.A., Baabdullah, A.M., Al-Debei, M.M., Raman, R., Alhitmi, H.K., Abu-ElSamen, A.A., & Dwivedi, Y.K. (2024). Fintech and contactless payment: Help or hindrance? The role of invasion of privacy and information disclosure. International Journal of Bank Marketing, 42(1), 66–93. https://doi.org/10.1108/IJBM-08-2022-0339.

Borgonovo, E., Caselli, S., Cillo, A., Masciandaro, D., & Rabitti, G. (2021). Money, Privacy, Anonymity: What Do Experiments Tell Us? Journal of Financial Stability, 56, 100934. https://doi.org/10.1016/j.jfs.2021.100934.

Borowski-Beszta, M., & Kiermas, A. (2019). The usage of mobile banking applications in Poland: empirical results. Copernican Journal of Finance & Accounting, 8(1), 9–25. https://doi.org/10.12775/CJFA.2019.001.

Borowski-Beszta, M., & Polasik, M. (2020). Wearable devices: new quality in sports and finance. Journal of Physical Education and Sport, 20(2), 1077–1084. https://doi.org/10.7752/jpes.2020.s2150.

Borowski-Beszta, M., & Polasik, M. (2022). The Role of Payment Services and Wearable Devices in Amateur Sport. In M. Tomanek, W. Cieslinski, M. Polasik (Eds.), Digital Business Models in Sport. Routledge. https://doi.org/10.4324/9781003270126.

Chang, H.S., Lee, S.C., & Ji, Y.G. (2016). Wearable device adoption model with TAM and TTF. International Journal of Mobile Communications, 14(5), 518–537. https://doi.org/10.1504/IJMC.2016.078726.

Chang, V., Xu, X., Wong, B., & Mendez, V. (2019). Ethical problems of smart wearable devices. COMPLEXIS 2019 - Proceedings of the 4th International Conference on Complexity, Future Information Systems and Risk, 121–129.

Chen, C.-C., & Shih, H.-S. (2014). A Study of the Acceptance of Wearable Technology for Consumers – An Analytical Network Process Perspective, International Journal of the Analytic Hierarchy Process. https://doi.org/10.13033/isahp.y2014.011.

Chuah, S.H.W., Rauschnabel, P.A., Krey, N., Nguyen, B., Ramayah, T., & Lade, S. (2016). Wearable technologies: The role of usefulness and visibility in smartwatch adoption. Computers in Human Behavior, 65, 276–284. https://doi.org/10.1016/j.chb.2016.07.047.

Churchill, G.A. (1979). A Paradigm for Developing Better Measures of Marketing Constructs. Journal of Marketing Research, 16(1), 64–73. https://doi.org/10.2307/3150876.

Daragmeh, A., Lentner, C., & Sági, J. (2021). FinTech payments in the era of COVID-19: Factors influencing behavioral intentions of “Generation X” in Hungary to use mobile payment. Journal of Behavioral and Experimental Finance, 32, 100574. https://doi.org/10.1016/j.jbef.2021.100574.

Davis, F.D., Bagozzi, R.P., & Warshaw, P.R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982.

Di Pietro, L., Guglielmetti Mugion, R., Mattia, G., Renzi, M.F.F., & Toni, M. (2015). The Integrated Model on Mobile Payment Acceptance (IMMPA): An empirical application to public transport. Transportation Research Part C: Emerging Technologies, 56, 463–479. https://doi.org/10.1016/j.trc.2015.05.001.

Hara, M. (2019). Development and popularization of QR code. Synthesiology English edition, 12(1), 19–28. https://doi.org/10.5571/syntheng.12.1_19.

Humbani, M., & Wiese, M. (2018). A Cashless Society for All: Determining Consumers’ Readiness to Adopt Mobile Payment Services. Journal of African Business, 19(3), 409–429. https://doi.org/10.1080/15228916.2017.1396792.

Jacob, S., Burelli, F., Großkurth, P., Kasch, K., Bunge, L., & Büttner, L. (2024). European mobile payments report 2024. Status quo of the industry landscape, success factors and future scenarios. Hamburg.

Jeong, B.K., & Yoon, T.E. (2013). An Empirical Investigation on Consumer Acceptance of Mobile Banking Services. Business and Management Research, 2(1), 31–40. https://doi.org/10.5430/bmr.v2n1p31.

Johnson, P.A. (2019). Indirect network effects, usage externalities, and platform competition. Journal of Competition Law & Economics, 15(2–3), 283–297. https://doi.org/10.1093/joclec/nhz014.

Kim, K.J., & Shin, D.-H. (2015). An acceptance model for smart watches. Internet Research, 25(4), 527–541. https://doi.org/10.1108/IntR-05-2014-0126.

Kisiel, M. (2013). Modele systemów płatności mobilnych a źródła pieniądza oraz mechanizmy rozrachunku transakcji. Copernican Journal of Finance & Accounting, 2(2), 61–73. https://doi.org/10.12775/CJFA.2013.016.

Kunkowski, J. (2013). Rozwój płatności zbliżeniowych w Polsce i na świecie. Copernican Journal of Finance & Accounting, 2(1), 107–118. https://doi.org/10.12775/CJFA.2013.008.

Leong, L.-Y., Hew, T.-S., Tan, G. W.-H., & Ooi, K.-B. (2013). Predicting the Determinants of the NFC-Enabled Mobile Credit Card Acceptance: A Neural Networks Approach. Expert Systems with Applications, 40(14), 5604–5620. https://doi.org/10.1016/j.eswa.2013.04.018.

McHugh, S., & Yarmey, K. (2012). Near Field Communication: Introduction and Implications. Journal of Web Librarianship, 6(3), 186–207. https://doi.org/10.1080/19322909.2012.700610.

Morosan, C. (2011). Customers’ Adoption of Biometric Systems in Restaurants: An Extension of the Technology Acceptance Model. Journal of Hospitality Marketing & Management, 20(6), 661–690. https://doi.org/10.1080/19368623.2011.570645.

Mun, Y.P., Khalid, H., & Nadarajah, D. (2017). Millennials’ Perception on Mobile Payment Services in Malaysia. Procedia Computer Science, 124, 397–404. https://doi.org/10.1016/j.procs.2017.12.170.

Muñoz-Leiva, F., Climent-Climent, S., & Liébana-Cabanillas, F. (2017). Determinants of intention to use the mobile banking apps: An extension of the classic TAM model. Spanish Journal of Marketing - ESIC, 21(1), 25–38. https://doi.org/10.1016/j.sjme.2016.12.001.

Pal, D., Khethavath, P., Chen, T., & Zhang, Y. (2017). Mobile payments in global markets using biometrics and cloud. International Journal of Communication Systems, 30(14), e3293. https://doi.org/10.1002/dac.3293.

Pal, D., Vanijja, V., & Papasratorn, B. (2015). An Empirical Analysis towards the Adoption of NFC Mobile Payment System by the End User. Procedia Computer Science, 69, 13–25. https://doi.org/10.1016/j.procs.2015.10.002.

Patil, P., Tamilmani, K., Rana, N.P., & Raghavan, V. (2020). Understanding Consumer Adoption of Mobile Payment in India: Extending Meta-UTAUT Model With Personal Innovativeness, Anxiety, Trust, and Grievance Redressal. International Journal of Information Management, 54, 102144. https://doi.org/10.1016/j.ijinfomgt.2020.102144.

Polasik, M. (2014). Perspektywy rozwoju mobilnych płatności NFC na rynku polskim. Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia, 48(4), 197–207. https://doi.org/10.17951/h.2014.48.4.197.

Polasik, M., Górka, J., Wilczewski, G., Kunkowski, J., Przenajkowska, K., & Tetkowska, N. (2013). Time Efficiency of Point-Of-Sale Payment Methods: Empirical Results for Cash, Cards and Mobile Payments. In J. Cordeiro, L.A. Maciaszek, J. Filipe (Eds.), Lecture Notes in Business Information Processing. Springer. https://doi.org/10.1007/978-3-642-40654-6_19.

Polasik, M., & Kumkowska, N. (2015). Determinanty zainteresowania płatnościami mobilnymi ze strony polskich konsumentów. Problemy Zarządzania, 13(3), 102–117. https://doi.org/10.7172/1644-9584.54.7.

Polasik, M., & Kunkowski, J. (2009). Zastosowania technologii RFID w systemach płatności. In S. Partycki (Ed.). E-gospodarka, E-społeczeństwo w Europie Środkowej i Wschodniej. Tom 2. Lublin: Wydawnictwo KUL.

Polasik, M., Widawski, P., Keler, G., & Butor-Keler, A. (2021). Retail Payments Strategy for the EU versus the challenges of the payment sector. Ekonomia i Prawo. Economics and Law, 20(3), 617–640. https://doi.org/10.12775/EiP.2021.037.

Polasik, M., Wisniewski, T.P., & Lightfoot, G. (2012). Modelling Customers’ Intentions to Use Contactless Cards. International Journal of Banking, Accounting and Finance, 4(3), 203–231. https://doi.org/10.1504/IJBAAF.2012.051590.

Ramos-de-Luna, I., Montoro-Ríos, F., & Liébana-Cabanillas, F. (2016). Analysis of Factors Affecting Continuance Use Intention of the Electronic Money Application in Indonesia. Information Systems and e-Business Management, 14(2), 293–314. https://doi.org/10.1007/s10257-015-0284-5.

Ramos de Luna, I., Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2019). Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied. Technological Forecasting and Social Change, 146, 931–944. https://doi.org/10.1016/j.techfore.2018.09.018.

Reeder, B., & David, A. (2016). Health at hand: A systematic review of smart watch uses for health and wellness. Journal of Biomedical Informatics, 63, 269–276. https://doi.org/10.1016/j.jbi.2016.09.001.

Rogers, E.M. (2003). Diffusion of Innovations (5th Edition). New York, NY, USA: Free Press.

Senyo, P.K., & Osabutey, E.L.C. (2020). Unearthing antecedents to financial inclusion through FinTech innovations. Technovation, (June 2019), 102155. https://doi.org/10.1016/j.technovation.2020.102155.

Van Hove, L., & Dubus, A. (2019). M-PESA and Financial Inclusion in Kenya: Of Paying Comes Saving? Sustainability, 11(3), 568. https://doi.org/10.3390/su11030568.

Van Hove, L., Polasik, M., & Kotkowski, R. (2024). Revenues of Network Platforms: Can They Be Expected to Follow a Growth ‘Law’? Technology in Society, 78, 102645. https://doi.org/10.1016/j.techsoc.2024.102645.

Venkatesh, V., & Morris, M.G. (2000). Why Don’t Men Ever Stop to Ask for Directions? Gender, Social Influence, and Their Role in Technology Acceptance and Usage Behavior. MIS Quarterly, 24(1), 115–139. https://doi.org/10.2307/3250981.

Wang, K.-L. (2015). Application of Wearable Devices to Running during Training. International Journal of Machine Learning and Computing, 5(6), 445–449. https://doi.org/10.18178/ijmlc.2015.5.6.549.

Wisniewski, T.P., Polasik, M., Kotkowski, R., & Moro, A. (2024). Switching From Cash to Cashless Payments During the COVID-19 Pandemic and Beyond. International Journal of Central Banking, 20(3), 303–371. Yan, L.Y., Tan, G.W. H., Loh, X.M., Hew, J.J., & Ooi, K.B. (2021). QR code and mobile payment: The disruptive forces in retail. Journal of Retailing and Consumer Services, 58, 102300. https://doi.org/10.1016/j.jretconser.2020.102300.

Zhang, J., Zhang, H., & Gong, X. (2022). Mobile payment and rural household consumption: Evidence from China. Telecommunications Policy, 46(3), 102276. https://doi.org/10.1016/j.telpol.2021.102276.

(www1) Apple, 2023, https://support.apple.com/en-us/HT201239 (accessed: 04.12.2023).

(www2) Google, 2023, https://support.google.com/wearos/answer/12059876?hl=en (accessed: 04.12.2023).

(www3) Xiaomi, 2023, https://mi-home.pl/en/pages/xiaomi-pay (accessed: 04.12.2023).

(www4) Garmin, 2023, https://www.garmin.com/en-US/garmin-pay/ (accessed: 04.12.2023).

(www5) Google, 2023, https://developers.google.com/pay/issuers/support/fitbit-faq (accessed: 04.12.2023).

(www6) Wordline, 2023, https://worldline.com/en/home/top-navigation/media-relations/press-release/89%25-of-belgians-prefer-to-pay-electronically-even-thougha-majority-of-payments-is-still-done-by-cash..html (accessed: 04.12.2023).

Copernican Journal of Finance & Accounting

Pobrania

  • PDF (English)

Opublikowane

2025-03-07

Jak cytować

1.
BOROWSKI-BESZTA, Mikołaj, POLASIK, Michał, MELER, Andrzej & BOROWSKA-BESZTA, Anna. NFC, Wearables and QR Code in POS Payments: Determinants of Adoption of the Leading Mobile Payment Technologies in Europe. Copernican Journal of Finance & Accounting [online]. 7 marzec 2025, T. 13, nr 4, s. 29–59. [udostępniono 6.7.2025]. DOI 10.12775/CJFA.2024.016.
  • PN-ISO 690 (Polski)
  • ACM
  • ACS
  • APA
  • ABNT
  • Chicago
  • Harvard
  • IEEE
  • MLA
  • Turabian
  • Vancouver
Pobierz cytowania
  • Endnote/Zotero/Mendeley (RIS)
  • BibTeX

Numer

Tom 13 Nr 4 (2024)

Dział

Artykuły

Licencja

Prawa autorskie (c) 2025 Mikołaj Borowski-Beszta, Michał Polasik, Andrzej Meler, Anna Borowska-Beszta

Creative Commons License

Utwór dostępny jest na licencji Creative Commons Uznanie autorstwa – Bez utworów zależnych 4.0 Międzynarodowe.

Statystyki

Liczba wyświetleń i pobrań: 29
Liczba cytowań: 0

Wyszukiwanie

Wyszukiwanie

Przeglądaj

  • Indeks autorów
  • Lista archiwalnych numerów

Użytkownik

Użytkownik

Aktualny numer

  • Logo Atom
  • Logo RSS2
  • Logo RSS1

Informacje

  • dla czytelników
  • dla autorów
  • dla bibliotekarzy

Newsletter

Zapisz się Wypisz się

Język / Language

  • English
  • Deutsch
  • Język Polski
  • Español (España)
  • Italiano
  • Français (Canada)
  • Čeština
  • Français (France)
  • Hrvatski
  • Srpski
  • Українська

Tagi

Szukaj przy pomocy tagu:

mobile payments, mobile banking, NFC, wearables, QR codes

cross_check

The journal content is indexed in CrossCheck, the CrossRef initiative to prevent scholarly and professional plagiarism

W górę

Akademicka Platforma Czasopism

Najlepsze czasopisma naukowe i akademickie w jednym miejscu

apcz.umk.pl

Partnerzy platformy czasopism

  • Akademia Ignatianum w Krakowie
  • Akademickie Towarzystwo Andragogiczne
  • Fundacja Copernicus na rzecz Rozwoju Badań Naukowych
  • Instytut Historii im. Tadeusza Manteuffla Polskiej Akademii Nauk
  • Instytut Kultur Śródziemnomorskich i Orientalnych PAN
  • Instytut Tomistyczny
  • Karmelitański Instytut Duchowości w Krakowie
  • Ministerstwo Kultury i Dziedzictwa Narodowego
  • Państwowa Akademia Nauk Stosowanych w Krośnie
  • Państwowa Akademia Nauk Stosowanych we Włocławku
  • Państwowa Wyższa Szkoła Zawodowa im. Stanisława Pigonia w Krośnie
  • Polska Fundacja Przemysłu Kosmicznego
  • Polskie Towarzystwo Ekonomiczne
  • Polskie Towarzystwo Ludoznawcze
  • Towarzystwo Miłośników Torunia
  • Towarzystwo Naukowe w Toruniu
  • Uniwersytet im. Adama Mickiewicza w Poznaniu
  • Uniwersytet Komisji Edukacji Narodowej w Krakowie
  • Uniwersytet Mikołaja Kopernika
  • Uniwersytet w Białymstoku
  • Uniwersytet Warszawski
  • Wojewódzka Biblioteka Publiczna - Książnica Kopernikańska
  • Wyższe Seminarium Duchowne w Pelplinie / Wydawnictwo Diecezjalne „Bernardinum" w Pelplinie

© 2021- Uniwersytet Mikołaja Kopernika w Toruniu Deklaracja dostępności Sklep wydawnictwa