I fattori di adozione del mobile payment. Prime evidenze empiriche nel settore dei trasporti pubblici della città di Milano

In recent years, exploring factors that influence the consumer adoption of mobile payment has received increasing attention by academics and practitioners. Understanding the determinants of consumer acceptance of mobile payment will provide important theoretical contributions to the topic and lead to the development of more effective mobile payment devices and systems. This paper aims to increase the knowledge in this area of research trying to identify the main factors that influence the consumer adoption of mobile payment in local public transport services. We collect data by a sample of 3,510 consumers of the local public transport in Milan and we analyze them using multiple regression. Our results show that 1. the ease of use and usefulness of these system of payment and the presence of other distribution channels are key variables influencing the adoption; 2. the perceived risk is a barrier to adoption; 3. the cost does not have significant impact