Modelling customers’ intentions to use contactless cards

Polasik, Michal; Wisniewski, Tomasz Piotr and Lightfoot, Geoffrey (2012). Modelling customers’ intentions to use contactless cards. International Journal of Banking, Accounting and Finance, 4(3) pp. 203–231.



Since their introduction in the USA 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 explore the factors that are likely to govern acceptance and intentions to take-up the technology. The analysis utilises 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 conceptualisation and also indicate that some demographic characteristics imprint upon the intentions of potential users.

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