Antecedents of the adoption of the new mobile payment systems: The moderating effect of age

• The objective of this research is user acceptance analysis of SMS mobile payment.
• This paper is a pioneer study of intention to use of SMS mobile payment.
• The analysis test demonstrates effect of age in the adoption of MPAM.
• External influences, usefulness and perceived risk are determinants of the intention.
• This study provides a set of recommendations for companies.

The purpose of this study was to propose and test an integrative theoretical model that allows one to determine the relative importance of certain factors (i.e. external influences, ease of use, attitude, usefulness, trust, risk) for the adoption of a new mobile payment system advertised on new electronic environments, as well as to analyze the eventual moderating effect of the age of the consumer in the use of this tool. The empirical results show that the proposed behavioral model was appropriately adjusted, thus proving that the age of the user introduces significant differences in the proposed relationships between influences from third parties and ease of use of the payment system, between the perceived trust in the system and its ease of use, as well as between trust and a favorable attitude towards its use.