An Empirical Examination of Users' Switch from Online Payment to Mobile Payment

As an emerging service, mobile payment has not been widely adopted by users. Integrating both perspectives of enablers and inhibitors, this research examined user switch from online p ayment to mobile payment. Enablers include trust in mobile payment, flow and satisfaction, whereas the inhibitor is switching costs. Flow represents an optimal experience associated with using mobile payment. The results indicated that user switch receives a dual influence from both enablers and inhibitors. Among them, flow has the largest effect on switch intention. The results imply that service providers need to consider both aspects of enablers and inhibitors in order to facilitate user switch from online payment to mobile payment.