Dissemination of PSD2 (the revised directive on payment services): Opportunity or intimidation?

<p>Mobile payment has relative advantages compared to other payment methods, thus providing benefits for both consumers and the society. This study attempts to examine factors influencing consumer intention to use mobile payment services. Survey data are used to investigate the impact of consumers’ perceptions of mobile payment services and social influence on use intention. Empirical evidence from 489 Vietnamese consumers confirms a significant relationship between the factors and behavioral intention, and reveals that perceived trust is the strongest predictor of intention to use mobile payment services followed by perceived ease of use, perceived enjoyment, perceived behavioral control, perceived usefulness and subjective norm, respectively. The results contribute to the evolving literature, and suggest that mobile payment service providers should particularly focus on building up consumer trust, and making their services clear, understandable and easy to use. Future research directions for extending this study are also discussed.</p>

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The dimensions of trust:An investigation of mobile payment services in Taiwan

Technology in Society ◽

10.1016/j.techsoc.2021.101753 ◽

2021 ◽

Vol 67 ◽

pp. 101753

Author(s):

Jiunn-Woei Lian ◽

Ji Li

Keyword(s):

Mobile Payment ◽

Payment Services

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Demographic Influences on E-Payment Services

International Journal of E-Business Research ◽

10.4018/ijebr.2017010103 ◽

2017 ◽

Vol 13 (1) ◽

pp. 44-65 ◽

Cited By ~ 3

Author(s):

Winfred Yaokumah ◽

Peace Kumah ◽

Eric Saviour Aryee Okai

Keyword(s):

Customer Satisfaction ◽

Analysis Of Variance ◽

Ict Literacy ◽

Payment Systems ◽

Ict Skills ◽

Male And Female ◽

Level Of Education ◽

Payment Services ◽

Survey Responses ◽

Perception Of Security

This study investigated customers' preferences of payment systems and the influence of demography on the attitude of customers towards e-payment services. Survey responses were received from 558 bank customers. The t-test and the analysis of variance were employed to examine the differences in perception of security, ICT literacy, customer satisfaction, and the use of e-payment services based on customers' age, gender, and the level of education. The findings revealed no significant differences between the male and female customers in the use of e-payment services. However, the male customers had higher ICT skills, yet perceived e-payment services less secured. Moreover, there were no significant differences in satisfaction and e-payment use, though, customers with higher level of education felt less secured using the services. Also, whereas the older customers were more satisfied with e-payment services, the younger customers had more ICT skills and use the services much more. These findings are necessary for formulating strategies for marketing e-payment services.

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The regulation of crypto-assets in the EU – investment and payment tokens under the radar

Maastricht Journal of European and Comparative Law ◽

10.1177/1023263x20911538 ◽

2020 ◽

Vol 27 (3) ◽

pp. 325-342

Author(s):

Valeria Ferrari

Keyword(s):

Eu Law ◽

Electronic Money ◽

Ongoing Debate ◽

European Institutions ◽

European Banking Authority ◽

European Banking ◽

Payment Services ◽

Legal Frameworks ◽

The Eu ◽

Regulatory Intervention

Based on the guidelines issued by the European Securities and Market Authority and by the European Banking Authority, the article deals with the legal qualification of blockchain-based crypto-assets under EU law. Focusing on crypto-assets that function as a) investment instruments (that is, investment tokens) and as b) electronic money (that is, payment tokens), the work outlines shortages and drawbacks in the applicability and enforcement of existing EU legal frameworks regulating investment activities and payment services. With such analysis, the article seeks to inform the ongoing debate within European institutions on the need of regulatory intervention in this area, and it points out pressing questions to be tackled by further research.

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