Telecommunications Policy 44 (2020) 102009 Available online 13 July 2020 0308-5961/© 2020 Elsevier Ltd. All rights reserved. Assessment of mobile technology use in the emerging market: Analyzing intention to use m-payment services in India Francisco Li� ebana-Cabanillas a, * , Arnold Japutra b , Sebasti� an Molinillo c , Nidhi Singh d , Neena Sinha d a Department of Marketing and Market Research, Faculty of Economics and Business, University of Granada, Campus La Cartuja s/n, 18071, Granada, Spain b Department of Marketing, UWA Business School, University of Western Australia, 35 Stirling Hwy, Perth, 6009, Australia c Department of Business Management, Faculty of Economics and Business, University of Malaga, Campus El Ejido s/n, 29071, Malaga, Spain d Department of Finance, Jaipuria Institute of Management Noida, Noida, India A R T I C L E INFO Keywords: Consumer behavior Mobile payment services Payment service adoption Emerging market India ABSTRACT The potential use of mobile payment is enormous and it is receiving attention as an alternative mode of payment worldwide. The present study develops a conceptual model to analyze the intention to use mobile payment services in the emerging market. Data was collected in India, one of the biggest emerging market, through a survey. The research hypotheses were tested using structural equation modeling approach. The results offer support that innovativeness, stress and perceived ease of use infuence the perceived usefulness of mobile payment services. Subse- quently, perceived usefulness, perceived satisfaction, perceived risk and perceived trust infuence the intention to use mobile payment services. The fndings provide alternatives for companies to consolidate this technology-based payment service. 1. Introduction Over the past few years, the world has witnessed signifcant changes in the area of wireless communication systems. This has provided various opportunities to business, while consumers are enhancing the use of mobile devices for their daily activities (Flood et al., 2013; Petter et al., 2013; Su et al., 2017; Zhong & Nieminen, 2015). One particular area of interest is the growing adoption and acceptance of mobile payment services around the world. The use of mobile payment technology has tripled in the last few years. Despite its potential for growth, researchers have paid little attention to the factors that infuence the intention to use mobile payment services in the emerging market. According to Nielsen study, Asia is leading in the use of mobile payment services; consumers in Asia-Pacifc region show utmost confdence and enthusiasm in using mobile devices for e-transactions (Soat, 2018). In developing economies such as India, users used smartphones not only for verbal communications but also for various fnancial services, such as electronic fund transfers, mobile payments, shopping and other bills payments (Pal et al., 2019). Therefore, we aim to examine the factors infuencing consumers’ intention to use mobile payment services in India. In India, one of the biggest emerging markets in the world, the use of mobile payment services has signifcantly increased in the last * Corresponding author. E-mail addresses: franlieb@ugr.es, franlieb@ugr.es (F. Li� ebana-Cabanillas), arnold.japutra@uwa.edu.au (A. Japutra), smolinillo@uma.es (S. Molinillo), nidhi.singh@jaipuria.ac.in (N. Singh), neenasinhaipu@gmail.com (N. Sinha). Contents lists available at ScienceDirect Telecommunications Policy journal homepage: http://www.elsevier.com/locate/telpol https://doi.org/10.1016/j.telpol.2020.102009 Received 2 November 2019; Received in revised form 18 June 2020; Accepted 26 June 2020