{"id":{"repo_id":"oxford-brookes","oai_identifier":"tle:946633d6-5e14-42af-abd0-ab03754ee979:d6bd9758-527a-46cd-bfe2-c433766e8fca:1"},"canonical_url":"https://search.dev.ndltd.org/etd/oxford-brookes/tle:946633d6-5e14-42af-abd0-ab03754ee979:d6bd9758-527a-46cd-bfe2-c433766e8fca:1","repository":{"repo_id":"oxford-brookes","name":"Oxford Brookes University","base_url":"https://radar.brookes.ac.uk/radar/oai"},"display":{"title":"An Empirical Investigation on the Effect of Value-Added Services on Consumer Adoption of Mobile Payment in the UK","abstract":"Mobile payment (m-payment) is an innovative payment method that uses technology to enable consumers to pay for goods and services using their mobile devices. As an emerging payment method, m-payment is marketed as a secure and convenient alternative to traditional payment methods. Despite the purported advantages of m-payment, however, consumers in the UK and elsewhere have been slow to adopt it. This has been attributed to a perception that there is little or no added value to using m-payment compared to well-established existing payment methods. Augmenting m-payment with value-added services that offer additional functions to the core payment service has been suggested as a form of added value to promote adoption of m-payment, but there is little actual evidence to support this suggestion. A considerable amount of research has been done to understand the factors that influence consumer adoption of m-payment, but there has been little investigation of the role of consumer perceived value in the context of m-payment adoption. The aim of the investigation reported in this thesis is to assess the effects of adding services beyond the payment service on m-payment adoption intention by consumers in the UK. The thesis addresses two primary issues: first, the research provides contextual understanding of the value of m-payment as seen from consumers’ perspectives; second, the research evaluates empirically the ways consumers perceive added value and its impact on their intentions to use m-payment. To address the above aim, this study adopted a mixed methods research approach involving two phases. The first phase used qualitative investigation based on a literature review and face to face interviews to develop a conceptual model and relevant measurement items. The second phase of research involved quantitative analysis of data collected in an online survey experiment designed to validate and assess the proposed conceptual model. The findings suggest that consumers who had no previous experience of m-payment perceive its value as a trade-off between benefits and sacrifices through four determinants: convenience value, monetary value, enjoyment value, and perceived risk. Whilst the first three determinants are the purported benefits of using m-payment, perceived risk is sacrifice. The findings also indicate that augmenting m-payment with value-added services is likely to increase consumers’ intention to use m-payment if they perceive net added value in terms of the balance of received benefits at given risk (sacrifice). However, the extent to which consumers perceive augmented m-payment as more attractive than their existing payment methods has been shown by this research to have greater influence on promoting intention to use m-payment than perceived net added value. The research reported in this thesis offers a variety of theoretical contributions and practical implications. The principal theoretical contribution is to have developed, analysed and validated a conceptual model that captures the impact of value-added services on the factors determining consumers’ intentions to use m-payment. The practical implications of the research provide a foundation for guiding interventions by m-payment providers who wish to address the slow adoption of m-payment through value-added services. The research suggests that devising strategies that aim to increase utilitarian and/or hedonic benefits of m-payment solutions could be expected to increase perceptions of m-payment value and lead to favourable outcomes. Along with such strategies, investing in marketing efforts that reassure consumers about the security of m-payment solutions and highlight their added benefits compared to mainstream payment methods is of paramount importance in promoting adoption.","abstract_html":"Mobile payment (m-payment) is an innovative payment method that uses technology to enable consumers to pay for goods and services using their mobile devices. As an emerging payment method, m-payment is marketed as a secure and convenient alternative to traditional payment methods. Despite the purported advantages of m-payment, however, consumers in the UK and elsewhere have been slow to adopt it. This has been attributed to a perception that there is little or no added value to using m-payment compared to well-established existing payment methods. Augmenting m-payment with value-added services that offer additional functions to the core payment service has been suggested as a form of added value to promote adoption of m-payment, but there is little actual evidence to support this suggestion. A considerable amount of research has been done to understand the factors that influence consumer adoption of m-payment, but there has been little investigation of the role of consumer perceived value in the context of m-payment adoption. The aim of the investigation reported in this thesis is to assess the effects of adding services beyond the payment service on m-payment adoption intention by consumers in the UK. The thesis addresses two primary issues: first, the research provides contextual understanding of the value of m-payment as seen from consumers’ perspectives; second, the research evaluates empirically the ways consumers perceive added value and its impact on their intentions to use m-payment. To address the above aim, this study adopted a mixed methods research approach involving two phases. The first phase used qualitative investigation based on a literature review and face to face interviews to develop a conceptual model and relevant measurement items. The second phase of research involved quantitative analysis of data collected in an online survey experiment designed to validate and assess the proposed conceptual model. The findings suggest that consumers who had no previous experience of m-payment perceive its value as a trade-off between benefits and sacrifices through four determinants: convenience value, monetary value, enjoyment value, and perceived risk. Whilst the first three determinants are the purported benefits of using m-payment, perceived risk is sacrifice. The findings also indicate that augmenting m-payment with value-added services is likely to increase consumers’ intention to use m-payment if they perceive net added value in terms of the balance of received benefits at given risk (sacrifice). However, the extent to which consumers perceive augmented m-payment as more attractive than their existing payment methods has been shown by this research to have greater influence on promoting intention to use m-payment than perceived net added value. The research reported in this thesis offers a variety of theoretical contributions and practical implications. The principal theoretical contribution is to have developed, analysed and validated a conceptual model that captures the impact of value-added services on the factors determining consumers’ intentions to use m-payment. The practical implications of the research provide a foundation for guiding interventions by m-payment providers who wish to address the slow adoption of m-payment through value-added services. The research suggests that devising strategies that aim to increase utilitarian and/or hedonic benefits of m-payment solutions could be expected to increase perceptions of m-payment value and lead to favourable outcomes. Along with such strategies, investing in marketing efforts that reassure consumers about the security of m-payment solutions and highlight their added benefits compared to mainstream payment methods is of paramount importance in promoting adoption.","abstract_has_math":false,"creators":["Alhallaq, Hassan A. H."],"institution":"Oxford Brookes University","degree_name":null,"degree_level":null,"degree_discipline":null,"degree_department":null,"school":null,"contributors":["Younas, Muhammad","Champion, Bob","Kamal. Samia"],"advisors":[],"committee_chairs":[],"committee_members":[],"year":2020,"date_issued":"2020","date_published":"2020","updated_at":"2026-07-24T03:43:42Z","subjects":[],"languages":["en"],"rights":["All rights reserved"],"rights_urls":[],"identifier_entries":[]},"links":{"outbound_url":"https://doi.org/10.24384/z8en-3213","outbound_label":"DOI","outbound_source":"dc:identifier"},"metadata_groups":[{"id":"people","label":"People","entries":[{"key":"dc:contributor","label":"Contributor","values":["Alhallaq, Hassan A. H.","Younas, Muhammad","Champion, Bob","Kamal. Samia"]},{"key":"dc:creator","label":"Author","values":["Alhallaq, Hassan A. 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As an emerging payment method, m-payment is marketed as a secure and convenient alternative to traditional payment methods. Despite the purported advantages of m-payment, however, consumers in the UK and elsewhere have been slow to adopt it. This has been attributed to a perception that there is little or no added value to using m-payment compared to well-established existing payment methods. Augmenting m-payment with value-added services that offer additional functions to the core payment service has been suggested as a form of added value to promote adoption of m-payment, but there is little actual evidence to support this suggestion. A considerable amount of research has been done to understand the factors that influence consumer adoption of m-payment, but there has been little investigation of the role of consumer perceived value in the context of m-payment adoption. The aim of the investigation reported in this thesis is to assess the effects of adding services beyond the payment service on m-payment adoption intention by consumers in the UK. The thesis addresses two primary issues: first, the research provides contextual understanding of the value of m-payment as seen from consumers’ perspectives; second, the research evaluates empirically the ways consumers perceive added value and its impact on their intentions to use m-payment. To address the above aim, this study adopted a mixed methods research approach involving two phases. The first phase used qualitative investigation based on a literature review and face to face interviews to develop a conceptual model and relevant measurement items. The second phase of research involved quantitative analysis of data collected in an online survey experiment designed to validate and assess the proposed conceptual model. The findings suggest that consumers who had no previous experience of m-payment perceive its value as a trade-off between benefits and sacrifices through four determinants: convenience value, monetary value, enjoyment value, and perceived risk. Whilst the first three determinants are the purported benefits of using m-payment, perceived risk is sacrifice. The findings also indicate that augmenting m-payment with value-added services is likely to increase consumers’ intention to use m-payment if they perceive net added value in terms of the balance of received benefits at given risk (sacrifice). However, the extent to which consumers perceive augmented m-payment as more attractive than their existing payment methods has been shown by this research to have greater influence on promoting intention to use m-payment than perceived net added value. The research reported in this thesis offers a variety of theoretical contributions and practical implications. The principal theoretical contribution is to have developed, analysed and validated a conceptual model that captures the impact of value-added services on the factors determining consumers’ intentions to use m-payment. The practical implications of the research provide a foundation for guiding interventions by m-payment providers who wish to address the slow adoption of m-payment through value-added services. The research suggests that devising strategies that aim to increase utilitarian and/or hedonic benefits of m-payment solutions could be expected to increase perceptions of m-payment value and lead to favourable outcomes. Along with such strategies, investing in marketing efforts that reassure consumers about the security of m-payment solutions and highlight their added benefits compared to mainstream payment methods is of paramount importance in promoting adoption."]},{"key":"dc:format","label":"Dc Format","values":["application/pdf"]},{"key":"dc:title","label":"Title","values":["An Empirical Investigation on the Effect of Value-Added Services on Consumer Adoption of Mobile Payment in the UK"]}]}],"canonical_facts":{"dc:contributor":["Alhallaq, Hassan A. H.","Younas, Muhammad","Champion, Bob","Kamal. Samia"],"dc:creator":["Alhallaq, Hassan A. H."],"dc:date":["2020"],"dc:description":["Mobile payment (m-payment) is an innovative payment method that uses technology to enable consumers to pay for goods and services using their mobile devices. As an emerging payment method, m-payment is marketed as a secure and convenient alternative to traditional payment methods. Despite the purported advantages of m-payment, however, consumers in the UK and elsewhere have been slow to adopt it. This has been attributed to a perception that there is little or no added value to using m-payment compared to well-established existing payment methods. Augmenting m-payment with value-added services that offer additional functions to the core payment service has been suggested as a form of added value to promote adoption of m-payment, but there is little actual evidence to support this suggestion. A considerable amount of research has been done to understand the factors that influence consumer adoption of m-payment, but there has been little investigation of the role of consumer perceived value in the context of m-payment adoption. The aim of the investigation reported in this thesis is to assess the effects of adding services beyond the payment service on m-payment adoption intention by consumers in the UK. The thesis addresses two primary issues: first, the research provides contextual understanding of the value of m-payment as seen from consumers’ perspectives; second, the research evaluates empirically the ways consumers perceive added value and its impact on their intentions to use m-payment. To address the above aim, this study adopted a mixed methods research approach involving two phases. The first phase used qualitative investigation based on a literature review and face to face interviews to develop a conceptual model and relevant measurement items. The second phase of research involved quantitative analysis of data collected in an online survey experiment designed to validate and assess the proposed conceptual model. The findings suggest that consumers who had no previous experience of m-payment perceive its value as a trade-off between benefits and sacrifices through four determinants: convenience value, monetary value, enjoyment value, and perceived risk. Whilst the first three determinants are the purported benefits of using m-payment, perceived risk is sacrifice. The findings also indicate that augmenting m-payment with value-added services is likely to increase consumers’ intention to use m-payment if they perceive net added value in terms of the balance of received benefits at given risk (sacrifice). However, the extent to which consumers perceive augmented m-payment as more attractive than their existing payment methods has been shown by this research to have greater influence on promoting intention to use m-payment than perceived net added value. The research reported in this thesis offers a variety of theoretical contributions and practical implications. The principal theoretical contribution is to have developed, analysed and validated a conceptual model that captures the impact of value-added services on the factors determining consumers’ intentions to use m-payment. The practical implications of the research provide a foundation for guiding interventions by m-payment providers who wish to address the slow adoption of m-payment through value-added services. The research suggests that devising strategies that aim to increase utilitarian and/or hedonic benefits of m-payment solutions could be expected to increase perceptions of m-payment value and lead to favourable outcomes. Along with such strategies, investing in marketing efforts that reassure consumers about the security of m-payment solutions and highlight their added benefits compared to mainstream payment methods is of paramount importance in promoting adoption."],"dc:format":["application/pdf"],"dc:identifier":["https://doi.org/10.24384/z8en-3213","https://radar.brookes.ac.uk/radar/file/946633d6-5e14-42af-abd0-ab03754ee979/1/Alhallaq2020VATMobilePayment.pdf"],"dc:language":["en"],"dc:publisher":["Oxford Brookes University"],"dc:rights":["All rights reserved"],"dc:title":["An Empirical Investigation on the Effect of Value-Added Services on Consumer Adoption of Mobile Payment in the UK"],"dc:type":["thesis"]},"updated_at":"2026-07-24T03:43:42Z"}