Role of Mediator in Examining the Influence of Antecedents of Mobile Wallet Adoption on Attitude and Intention
The purpose of this article is to explore the mediating role of perceived usefulness, trust and attitude on a user’s intention towards use of mobile wallets in India. While mediation has been studied by earlier researchers in the context of online commerce, mobile banking, short message service (SMS) banking, mobile money, etc., not many studies exist in the context of mobile wallets. Considering the potential of mobile wallets in India, previous relationships from the theories of technology adoption like technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) were adapted to investigate the determinants of user attitude and intention towards mobile wallet adoption. Based on data from 744 respondents collected through a survey, partial least squares (PLS) structural equation modelling was used to test the research model. Convenience sampling was used to select the respondents. The results revealed that out of the nine paths wherein mediation was examined, in two paths full mediation was found while it was partial in the remaining cases. This study extends research in explaining attitude and intention through multiple mediating relationships. The implications for research and practice and future research directions are discussed
Article, 2023