A review of contextual factors affecting mobile payment adoption and use

  • Abhipsa Pal
  • Rahul De’Email author
  • Tejaswini Herath
  • H. Raghav Rao
Original Article


Research on mobile payments is a flourishing area in information systems. An in-depth review of the literature reveals that a majority of studies frequently use existing theoretical models of IT adoption and usage, but do not extend the investigation further into other theories that could offer new contextually relevant variables. We identify some contextual variables missing in the extant research models. Starting from November 2016, India witnessed a number of events: demonetization, followed by low-cost Internet made available by a service provider, discounts and cash benefit offers by competing wallet companies, and related government regulations. Motivated by these events, we recognized the importance of contextual factors for technology usage and adoption. Drawing from management theories, we identified and classified factors from 79 relevant papers, and then developed a framework that included contextual variables—both environmental and cultural facilitators and barriers. This paper is useful for understanding the research trends in current mobile banking literature along with implications for future research and practice.


Mobile payements Technology usage Technology adoption Local context Demonetization India 


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Copyright information

© Institute for Development and Research in Banking Technology 2019

Authors and Affiliations

  • Abhipsa Pal
    • 1
  • Rahul De’
    • 1
    Email author
  • Tejaswini Herath
    • 2
  • H. Raghav Rao
    • 3
  1. 1.Information Systems AreaIndian Institute of Management BangaloreBengaluruIndia
  2. 2.Department of Finance, Operations and Information SystemsGoodman School of Business, Brock UniversityNiagara RegionCanada
  3. 3.Department of Information Systems and Cyber SecurityCollege of Business, The University of Texas at San AntonioSan AntonioUSA

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