Towards a Cashless Society: The Effects of Perceived Convenience and Security on Gamified Mobile Payment Platform Adoption

Keywords: gamification, perceived convenience, perceived security, developing country, mobile payment


Integrating gamification into mobile payment platforms incentivizes people to use digital alternatives for payment and could spur user-centric, platform-mediated interactions. This study examines the relationship between perceived convenience and perceived security on individual users’ intention to use a gamified mobile payment platform in Malaysia; a developing country envisioned to build a cashless society. The partial least square structural equation modeling (PLS-SEM) technique is employed on a final sample of 388 online users. The results show that perceived convenience has a strong but indirect effect on the intention to use. Perceived security has a strong and direct effect on intention to use and mediates the relationship between perceived convenience and intention to use. Furthermore, the reliability aspect of security is a top priority concern for users interested in using mobile payment. The multi-functional aspect of convenience is a top priority concern to attract users who are not interested in using mobile payment at first. The study discusses theoretical and practical implications for developing a dual strategy of ‘ensuring convenience’ and ‘assuring security’ to encourage the gamified mobile payment platform adoption in developing countries.


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How to Cite
Lai, P. C., & Liew, E. J. (2021). Towards a Cashless Society: The Effects of Perceived Convenience and Security on Gamified Mobile Payment Platform Adoption. Australasian Journal of Information Systems, 25.
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