The Mediation Role of Convenience in Mobile Wallet Adoption
Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
Bibliographic record
Abstract
Completing purchases more efficiently is appealing to many individuals. Mobile wallets can enhance efficiency as well as provide greater conveniences. For example, individuals can pay with their smartphone and transfer money to family and friends. Although mobile wallet adoption has increased, its adoption is not prevalent. For mobile wallets to become more widely used, it is important to identify contributors to potential adoption intentions which can ultimately lead to greater usage. We extend the Theory of Planned Behavior (TPB) with service convenience, decomposed into transaction and benefit conveniences. The results of our empirical research suggest that both attitude and subjective norms are important. Our findings also suggest that benefit and transaction conveniences serially mediate the influence of perceptions of behavioral control on behavioral intention to use a mobile wallet. Our model can be utilized in future mobile wallet research as well as by practitioners interested in increasing mobile wallet adoption.
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Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.002 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.000 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.001 |
| Open science | 0.001 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it