The Adoption of QR Code Mobile Payment Technology During COVID-19: A Social Learning Perspective

Ming Tu; Lei Wu; Hua Wan; Zhoujin Ding; Zizheng Guo; Jiayi Chen

doi:10.3389/fpsyg.2021.798199

The Adoption of QR Code Mobile Payment Technology During COVID-19: A Social Learning Perspective

Front Psychol. 2022 Feb 16:12:798199. doi: 10.3389/fpsyg.2021.798199. eCollection 2021.

Authors

Ming Tu¹, Lei Wu², Hua Wan³, Zhoujin Ding¹, Zizheng Guo⁴, Jiayi Chen²

Affiliations

¹ College of Economics and Management, Huazhong Agricultural University, Wuhan, China.
² Business College, Shaoxing University, Shaoxing, China.
³ School of Business Administration, Zhongnan University of Economics and Law, Wuhan, China.
⁴ Macau University of Science and Technology, Macao, Macao SAR, China.

Abstract

The increasing number of quick response (QR) code mobile payment users heralds the coming of a cashless society. However, the extent to which the coronavirus disease 2019 (COVID-19) pandemic accelerated the adoption of QR code mobile payment has not been sufficiently researched. Based on social learning theory, this study models how external interaction with the environment has affected the internal appraisal and behavioral intention to adopt QR code mobile payment during COVID-19. Empirical results from 248 respondents revealed that perceived severity and social influence positively affected the perception of utilitarian and health benefits of respondents, which in turn influenced the behavioral intention to use the QR code mobile payment. The theoretical contribution and managerial implications of this study are also discussed.

Keywords: COVID-19; QR code mobile payment; health benefit; perceived severity; social influence; social learning theory; utilitarian benefit.