Towards Sustainable Fintech: Examining the Long-Term Adoption of Mobile Payment Applications

Abstract

Considering the quickly changing digital financial world, this study explores the factors that influence users’ continued use of mobile payment apps. Customer retention is more important than acquisition as mobile payment systems become essential to daily transactions. This study examines how Social Influence (SOI), Ease of use, Usefulness, Familiarity, and Privacy affect users’ willingness to utilise mobile payment systems. This study examines the psychological, social, and functional aspects that promote long-term user involvement, rather than initial adoption. Results aim to identify the factors that most influence persistent consumption and their relationships. Through a detailed examination, this study provides developers, financial service providers, and marketers with valuable insights. The findings can help create more intuitive, reliable, and user-friendly mobile payment systems. The study enhances understanding of digital consumer behaviour and offers guidance for user retention and enjoyment in competitive mobile payment environments.

Keywords: Mobile Payment Applications, Continuous Usage Intention, User Behaviour, Technology Adoption, Digital Wallets

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