A Cross-Country Study on Digital Payment Considering Cultural Dimensions

ABSTRACT

The main purpose of this paper is to test the effect of culture, at a country level, on digital and mobile payment use. Using panel data regression analysis, the main results indicate that individualism presented a positive effect on both digital and m-payment, and masculinity showed a negative effect on m-payment. Overall, this research highlights the relevance of cultural factors to improve the understanding of digital and mobile payment.

KEYWORDS:

• Information technology
• cross-country studies
• mobile payment
• culture
• M-payment

Acknowledgements

Rodrigo F. Malaquias would like to thank the National Council for Scientific and Technological Development (CNPq) for the support to develop part of this research.

Disclosure statement

No potential conflict of interest was reported by the author(s).

Additional information

Funding

The work was supported by the National Council for Scientific and Technological Development .

Notes on contributors

Rodrigo F. Malaquias

Rodrigo Fernandes Malaquias is an Associate Professor at Universidade Federal de Uberlândia, Brazil. In 2012, he received his PhD in Business Administration from FGV-EAESP, Brazil. In 2015, he was a Visiting Research Scholar at DePaul University in Chicago, USA. His research includes finance, accounting, mobile banking, e-commerce, and cross-country studies. His papers have been published or accepted for publication by peer-reviewed journals, including International Journal of Information Management, Journal of Electronic Commerce Research, Electronic Commerce Research and Applications, Computers in Human Behavior, Technology in Society, Information Development, Information Technology for Development, among others.

Fernanda F. O. Malaquias

Fernanda F. O. Malaquias is a Full Time Professor at Universidade Federal de Uberlândia (UFU), Brazil. In 2012, she received her PhD in Electrical Engineering from UFU. She also holds a MS degree in Computer Science. In 2015, she was a Visiting Research Scholar at DePaul University in Chicago, USA. She has published articles in referred journals including Computers in Human Behavior, Electronic Commerce Research and Applications, Information Technology for Development, Information Technology & People, Technology and Disability, Information Development, Online Information Review, Journal of Global Information Management, Simulation Modelling Practice and Theory, among others.

Yujong Hwang

Yujong Hwang is a Professor and a coordinator of MIS Graduate Program in the School of Accountancy & MIS at DePaul University, Chicago. He received PhD in business from the University of South Carolina and authored more than 80 refereed journal articles on electronic commerce, knowledge management and human-computer interaction. He was listed in the top 2 percent most-cited scholars in the world and the Association for Information Systems (AIS) Distinguished Member – Cum Laude. He serves as an Associate Editor of Electronic Commerce Research & Applications, Behaviour and Information Technology and Journal of Electronic Commerce Research.