А STUDY OF FACTORS AFFECTING THE DIFFUSION AND ACCEPTANCE OF PAYMENT SERVICES INNOVATION
https://doi.org/10.17747/2078-8886-2016-3-86-93
Abstract
Non-cash payments provide a small part of total payment volume, but the usage of innovative products in named area is growing quite rapidly. The present study attempts to identify the factors determining consumers’ acceptance of payment innovation with the aim of developing a conceptual model of payment services acceptance. A research model that reflects economic, technological and socio-demographic factors are all important determinants for payment services adoption and use. Besides, there are specific correlation between them. To simulate the behavior of the consumer it was due to use parameters that reflect the actual level of awareness of innovation, the intention to use and real use of innovation. The result was the conceptual model developed in this research that focuses on factors determining consumers’ acceptance of payment services and their statement.
About the Author
A. M. Pogosyan
Financial University under the Government of the Russian Federation
Russian Federation
Russian Federation
Ph. D (Technical Sciences), Professor at the Department of «Strategic and Crisis Management» of the Financial University under the Government of the Russian Federation. Author of scientific monographs, textbooks and articles on crisis management. Participated in the research works performed by the Financial University of the Government of the Russian Federation, the Ministry of economy of the Russian Federation, the Ministry of agriculture of the Russian Federation, Department of science and industry of Moscow and other agencies and organizations. Accredited by the Association «interregional self-regulating organization of professional arbitration managers» as a person engaged in consulting activities in the course of bankruptcy procedures.
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Review
For citations:
Pogosyan A.M. А STUDY OF FACTORS AFFECTING THE DIFFUSION AND ACCEPTANCE OF PAYMENT SERVICES INNOVATION. Strategic decisions and risk management. 2016;(3):86-93. (In Russ.) https://doi.org/10.17747/2078-8886-2016-3-86-93
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