Customer behavior and adoption · Exploratory qualitative empirical study using consumer data/interviews about a new electronic payment service.
Exploring Consumer Adoption of Mobile Payments – A Qualitative Study
Niina Mallat (2007). Exploring Consumer Adoption of Mobile Payments – A Qualitative Study. The Journal of Strategic Information Systems. https://doi.org/10.1016/j.jsis.2007.08.001.
Plain-English take
Relative advantage, situational factors and lack of broad merchant acceptance shaped adoption; mobile payment can be adopted when it solves a specific situational need. For your marketing: Use it as a behavioral mechanism or experiment-design reference, not a direct forecast for a SaaS funnel.
How much weight to give this
2.5/5 Evidence needs cautious interpretation
The 1–5 evidence-check score is a practical reading aid, not a formal peer review or a probability that a conclusion is true. It combines design strength (2 points), sample reporting (1), comparison/control clarity (1), and how much of the paper could be checked (1). Access affects how confidently this directory can assess a study, not the study's underlying quality. Blinding is reported separately because it is not relevant to every design.
Exploratory qualitative empirical study using consumer data/interviews about a new electronic payment service.
Consumers considering mobile payments in a Finnish/European service context.
Judged from the publisher-described design and comparison; consult the paper for complete analysis.
Publisher page and abstract were retrieved directly; full text was not assumed open.
Double-blind? Blinding was not established from the retrieved publisher record.
Research question
What the authors investigated
What factors and situations shape consumer adoption of mobile payments?
Design
Exploratory qualitative empirical study using consumer data/interviews about a new electronic payment service.
Sample and setting
Consumers considering mobile payments in a Finnish/European service context.
Reported result
What the study found
Relative advantage, situational factors and lack of broad merchant acceptance shaped adoption; mobile payment can be adopted when it solves a specific situational need.
This is a paraphrase of the source. Check the original paper for definitions, estimates, statistical uncertainty and analysis details.
Scope and transfer
Limitations to keep in view
Qualitative exploratory design and one service context limit statistical generalization; it explains adoption conditions rather than estimating population effects.
Possible founder application
Use it as a behavioral mechanism or experiment-design reference, not a direct forecast for a SaaS funnel.
Evidence access
Publisher record and abstract retrieved; consult the linked paper for full methods and tables.
ScienceDirect search result identifies DOI/title; accessible paper abstract states it is a qualitative study and reports relative advantage and adoption conditions. Direct publisher-page retrieval was recorded on 2026-10-09; this profile uses publisher metadata/abstract and does not claim independent review of unavailable full text.
If only an abstract or metadata was available, the profile is limited to claims supported there. A paper's paywall does not change its evidentiary status, but it limits what we can substantiate from accessible text.