Modeling Customers’ Intentions to Use Contactless Cards

45 Pages Posted: 8 Nov 2010 Last revised: 31 Aug 2015

See all articles by Michal Polasik

Michal Polasik

Nicolaus Copernicus University

Tomasz Piotr Wisniewski

Open University, UK

Geoff Lightfoot

University of Leicester School of Management

Date Written: November 7, 2010

Abstract

Since their introduction in the United States in 2002, contactless card payment systems have been widely regarded as the pinnacle of current retail banking technology. However, the potential demand and usage of this innovation has hitherto received little attention from the academic community. Ours is one of the first papers that explores the factors that are likely to govern acceptance and intentions to take-up the technology. The analysis utilizes the methodological framework of the Technology Acceptance Model (Davis, 1989; Davis et al. 1989) and develops a range of empirical representations. Our results lend support to the TAM conceptualization and also indicate that some of the demographic characteristics imprint upon the intentions of potential users.

Keywords: Contactless cards, debit cards, RFID, technology acceptance model, retail payments, Polish banking

JEL Classification: M31, G21, 033

Suggested Citation

Polasik, Michal and Wisniewski, Tomasz Piotr and Lightfoot, Geoff, Modeling Customers’ Intentions to Use Contactless Cards (November 7, 2010). Available at SSRN: https://ssrn.com/abstract=1704723 or http://dx.doi.org/10.2139/ssrn.1704723

Michal Polasik

Nicolaus Copernicus University ( email )

Gagarina 13A
Torun, 87-100
Poland
(0048) 56 611 4634 (Phone)

Tomasz Piotr Wisniewski (Contact Author)

Open University, UK ( email )

Walton Hall
Milton Keynes, Buckinghamshire MK7 6AA
United Kingdom

Geoff Lightfoot

University of Leicester School of Management ( email )

United Kingdom

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