Examining the Drivers of Intentions to Use Mobile Payment Applications in an Emerging Economy: A SEM-NCA Approach

Mohammed Anam Akhtar; Deepesh Kumar  Srivastava; Khurram Ajaz Khan; Pankaj Kumar Tripathi; Madhvendra Pratap Singh

doi:10.1007/978-3-031-68952-9_92

Examining the Drivers of Intentions to Use Mobile Payment Applications in an Emerging Economy: A SEM-NCA Approach

Mohammed Anam Akhtar
, Deepesh Kumar Srivastava
, Khurram Ajaz Khan
, Pankaj Kumar Tripathi
, Madhvendra Pratap Singh

Institute Business and Innovation

Dubai International Academic City
IMT Business School
M.S. University of Baroda
University of Kanpur

Research output: Chapter in Book/Report/Conference proceeding › Chapter › peer-review

Abstract

This study utilizes an integrated model that combines the Theory of Planned Behavior (TPB), Self-Determination Theory (S.D.T), and Stimulus-Organization-Response Theory (S-O-R) to investigate the impact of gamification and situation (SF) as the stimulus on cognitive evaluation of adopting mobile payment applications in an emerging economy context. The present study used Partial Least Squares Structural Equation Modeling (PLS-SEM) in combination with Necessary Condition Analysis (NCA) to examine the determinants of individuals’ intentions. The study found that gamification has a positive impact on users’ cognitive appraisal and their desire to utilize mobile payment applications. This validates the theoretical model. However, SF cannot make any significant influence. Based on the findings, it is justifiable to conclude that while situational considerations may be the primary catalyst for the present adoption of m-payment applications, this shift may not be enduring.

Original language	English
Title of host publication	International Conference on Innovation, Sustainability, and Applied Sciences. ICISAS 2023
Editors	Chithirai Pon Selvan, Nidhi Sehgal, Sonakshi Ruhela, Noor Ulain Rizvi
Publisher	Springer, Cham
Pages	711-716
Number of pages	6
ISBN (Electronic)	978-3-031-68952-9
DOIs	https://doi.org/10.1007/978-3-031-68952-9_92
Publication status	Published - 12 Feb 2025

Publication series

Name	Signals and Communication Technology
Volume	Part F76
ISSN (Print)	1860-4862
ISSN (Electronic)	1860-4870

UN SDGs

This output contributes to the following UN Sustainable Development Goals (SDGs)

SDG 3 Good Health and Well-being
SDG 17 Partnerships for the Goals

Keywords

Self-determination theory
Theory of planned behavior
Gamification
Digital Platforms
Individual behavior
emerging market
Technology Adoption
NCA
PLS-SEM

Research fields

Consumer behaviour and psychology

IMC Research Focuses

Innovation management and consumer studies

ÖFOS 2012 - Austrian Fields of Study

502045 Behavioural economics

Access to Document

10.1007/978-3-031-68952-9_92

Cite this

Akhtar, M. A., Srivastava, D. K., Khan, K. A., Tripathi, P. K., & Singh, M. P. (2025). Examining the Drivers of Intentions to Use Mobile Payment Applications in an Emerging Economy: A SEM-NCA Approach. In C. P. Selvan, N. Sehgal, S. Ruhela, & N. U. Rizvi (Eds.), International Conference on Innovation, Sustainability, and Applied Sciences. ICISAS 2023 (pp. 711-716). (Signals and Communication Technology; Vol. Part F76). Springer, Cham. https://doi.org/10.1007/978-3-031-68952-9_92

Akhtar, Mohammed Anam ; Srivastava, Deepesh Kumar ; Khan, Khurram Ajaz et al. / Examining the Drivers of Intentions to Use Mobile Payment Applications in an Emerging Economy: A SEM-NCA Approach. International Conference on Innovation, Sustainability, and Applied Sciences. ICISAS 2023. editor / Chithirai Pon Selvan ; Nidhi Sehgal ; Sonakshi Ruhela ; Noor Ulain Rizvi. Springer, Cham, 2025. pp. 711-716 (Signals and Communication Technology).

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abstract = "This study utilizes an integrated model that combines the Theory of Planned Behavior (TPB), Self-Determination Theory (S.D.T), and Stimulus-Organization-Response Theory (S-O-R) to investigate the impact of gamification and situation (SF) as the stimulus on cognitive evaluation of adopting mobile payment applications in an emerging economy context. The present study used Partial Least Squares Structural Equation Modeling (PLS-SEM) in combination with Necessary Condition Analysis (NCA) to examine the determinants of individuals{\textquoteright} intentions. The study found that gamification has a positive impact on users{\textquoteright} cognitive appraisal and their desire to utilize mobile payment applications. This validates the theoretical model. However, SF cannot make any significant influence. Based on the findings, it is justifiable to conclude that while situational considerations may be the primary catalyst for the present adoption of m-payment applications, this shift may not be enduring.",

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Akhtar, MA, Srivastava, DK, Khan, KA, Tripathi, PK & Singh, MP 2025, Examining the Drivers of Intentions to Use Mobile Payment Applications in an Emerging Economy: A SEM-NCA Approach. in CP Selvan, N Sehgal, S Ruhela & NU Rizvi (eds), International Conference on Innovation, Sustainability, and Applied Sciences. ICISAS 2023. Signals and Communication Technology, vol. Part F76, Springer, Cham, pp. 711-716. https://doi.org/10.1007/978-3-031-68952-9_92

Examining the Drivers of Intentions to Use Mobile Payment Applications in an Emerging Economy: A SEM-NCA Approach. / Akhtar, Mohammed Anam; Srivastava, Deepesh Kumar ; Khan, Khurram Ajaz et al.
International Conference on Innovation, Sustainability, and Applied Sciences. ICISAS 2023. ed. / Chithirai Pon Selvan; Nidhi Sehgal; Sonakshi Ruhela; Noor Ulain Rizvi. Springer, Cham, 2025. p. 711-716 (Signals and Communication Technology; Vol. Part F76).

Research output: Chapter in Book/Report/Conference proceeding › Chapter › peer-review

TY - CHAP

T1 - Examining the Drivers of Intentions to Use Mobile Payment Applications in an Emerging Economy: A SEM-NCA Approach

AU - Akhtar, Mohammed Anam

AU - Srivastava, Deepesh Kumar

AU - Khan, Khurram Ajaz

AU - Tripathi, Pankaj Kumar

AU - Singh, Madhvendra Pratap

N1 - Publisher Copyright: © The Author(s), under exclusive license to Springer Nature Switzerland AG 2025.

PY - 2025/2/12

Y1 - 2025/2/12

N2 - This study utilizes an integrated model that combines the Theory of Planned Behavior (TPB), Self-Determination Theory (S.D.T), and Stimulus-Organization-Response Theory (S-O-R) to investigate the impact of gamification and situation (SF) as the stimulus on cognitive evaluation of adopting mobile payment applications in an emerging economy context. The present study used Partial Least Squares Structural Equation Modeling (PLS-SEM) in combination with Necessary Condition Analysis (NCA) to examine the determinants of individuals’ intentions. The study found that gamification has a positive impact on users’ cognitive appraisal and their desire to utilize mobile payment applications. This validates the theoretical model. However, SF cannot make any significant influence. Based on the findings, it is justifiable to conclude that while situational considerations may be the primary catalyst for the present adoption of m-payment applications, this shift may not be enduring.

AB - This study utilizes an integrated model that combines the Theory of Planned Behavior (TPB), Self-Determination Theory (S.D.T), and Stimulus-Organization-Response Theory (S-O-R) to investigate the impact of gamification and situation (SF) as the stimulus on cognitive evaluation of adopting mobile payment applications in an emerging economy context. The present study used Partial Least Squares Structural Equation Modeling (PLS-SEM) in combination with Necessary Condition Analysis (NCA) to examine the determinants of individuals’ intentions. The study found that gamification has a positive impact on users’ cognitive appraisal and their desire to utilize mobile payment applications. This validates the theoretical model. However, SF cannot make any significant influence. Based on the findings, it is justifiable to conclude that while situational considerations may be the primary catalyst for the present adoption of m-payment applications, this shift may not be enduring.

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KW - Theory of planned behavior

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KW - Digital Platforms

KW - Individual behavior

KW - emerging market

KW - Technology Adoption

KW - NCA

KW - PLS-SEM

UR - https://link.springer.com/chapter/10.1007/978-3-031-68952-9_92#citeas

UR - https://www.scopus.com/pages/publications/85219067351

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DO - 10.1007/978-3-031-68952-9_92

M3 - Chapter

T3 - Signals and Communication Technology

SP - 711

EP - 716

BT - International Conference on Innovation, Sustainability, and Applied Sciences. ICISAS 2023

A2 - Selvan, Chithirai Pon

A2 - Sehgal, Nidhi

A2 - Ruhela, Sonakshi

A2 - Rizvi, Noor Ulain

PB - Springer, Cham

ER -

Akhtar MA, Srivastava DK, Khan KA, Tripathi PK, Singh MP. Examining the Drivers of Intentions to Use Mobile Payment Applications in an Emerging Economy: A SEM-NCA Approach. In Selvan CP, Sehgal N, Ruhela S, Rizvi NU, editors, International Conference on Innovation, Sustainability, and Applied Sciences. ICISAS 2023. Springer, Cham. 2025. p. 711-716. (Signals and Communication Technology). doi: 10.1007/978-3-031-68952-9_92

Examining the Drivers of Intentions to Use Mobile Payment Applications in an Emerging Economy: A SEM-NCA Approach

Abstract

Publication series

UN SDGs

Keywords

Research fields

IMC Research Focuses

ÖFOS 2012 - Austrian Fields of Study

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