Role of network externalities and trust facilitators in shaping mobile payment application continuance intentions: variations across stages of adoption

Purpose The study proposes six mobile application attributes that drive pleasurable experiences, perceived usefulness, satisfaction and continuance intentions: number of members, perceived compatibility, perceived complementarity, structural assurance, ubiquitous connection and contextual offerings. Design/methodology/approach The relative effects of these variables on perceived usefulness and pleasurable experiences are evaluated across early and late adopters. The context of the study was m-payment applications and data from 322 early adopters and 321 late adopters were used to validate the framework with structural equation modelling, as well as to measure the intergroup differences with multi-group analysis. Findings The technological and legal backends of the m-payment technology need to be robust such that users derive a meaningful consumption experience, thereby increasing their continued reuse of the m-payment application. Originality/value This work adds theoretically by developing a robust post-adoption model for smartphone applications across different stages of adoption.