Resistance and Refusal to Mobile Payment: Analysis of the Iranian Characteristics

Salehisadegheiani, Jamshid; Sorournejad, Samaneh; Ebrahimi Atani, Reza; Akhavan Kharazian, Maryam; Rezvani Chamazamin, Mousa

Resistance and Refusal to Mobile Payment: Analysis of the Iranian Characteristics

Authors

Jamshid salehisadegheiani ¹

Samaneh Sorournejad ²

Reza Ebrahimi Atani ³

Maryam Akhavan Kharazian ⁴

Mousa Rezvani Chamazamin ⁵

¹ Professor ofDepartment industrial management, Allamehtabatabaee University Tehran ,Iran

² Department of Information and Technology, International campus, University of Guilan, Iran

³ Department of Computer Engineering, University of Guilan, Rasht, Iran

⁴ Department of Business Adminastration,shahiedbeheshti University ,Tehran ,Iran

⁵ Faculty Member of industrial management Islamic Azad University Astara Branch, Astara, Iran.

Abstract

In recent years, a number of new payment solutions have been introduced in mobile commerce although with less success. The existence of standardized and widely accepted mobile payment (also known as MP) procedures is crucial for successful business-to-customer mobile commerce. On the other hand, Non-acceptance of innovations has generally been attributed to the failure of laggards to keep up with the time. While our previous survey has investigated positive adoption decisions, this paper focuses on consumer resistance against innovation instead. In this paper we examine the conditions of resistance to the MP procedures by Iranian customers. In fact we attempts to discover causes that force an Iranian customer in particular to resist to innovation such as mobile payment. Based on the theory of innovation resistance and the mobile payment literature, we designed a questionnaire which is distributed amongst our understudy society of Ordinary Iranians. We employed data mining techniques in order to extract useful patterns from data, which describe the reasons of that refusal associated with different social and cultural levels of the society.

Keywords

Mobile Commerce

Resistance

Data mining

Decision tree

Iran

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1. الهه سروش، محمود رضا هاشمی، "پیشنهاد یک پروتکل پرداخت امن برای دستگاه‌های تلفن همراه"، سومین کنفرانس انجمن رمز ایران، تهران، 1384.
2. داود وحدت، سمانه گرجی، عباس خدابخش، "نوآوری دراستفاده ازموبایل برای پرداخت هزینه بلیط: راه کاری مناسب برای اصلاح الگوی مصرف در خدمات شهری"، همایش مدیریت تکنولوژی ونوآوری، تهران، 1388.
3. محمدشیرعلی شهرضا، "ارائه‌ خدمات بانکی از طریق تلفن همراه درمحدوده‌ی بانک"، اولین کنفرانس جهانی بانکداری الکترونیکی، تهران، 1384.
  1. D. Hand, H. Mannila, and P. Smyth, “Principles of Data Mining”, MIT Press, Cambridge, MA, 2010.
  2. E. Alpaydin (2004).Introduction to Machine Learning, The MIT Press.
  3. K. Pousttchi, “Conditions for acceptance and usage of mobile payment procedures”, the 2^th International Conference on Mobile Business, 2003, Pp 201-210.
  4. K., Pousttchi, K. Wiedemann, “Security Issues in Mobile Payment from the Customer Viewpoint, the 14^th European Conference on Information Systems (ECIS 2006).
  5. M. staedt, R. A., Grossbart, S. L., Curtis, and Devere, S. P, “Optimal stimulation Level and the adoption decision process”, Journal of Consumer Research 3, 1976, Pp 84–94.
  6. M. Rad , H. A Seifi, “The study on the rate of Moraxella bovis infection in IBK infected calves (The study on the rate of Moraxella bovis infection in IBK infected calves)”, Proceedings of the 22^th European Conference on data mining, 2009, Pp 07-23.
  7. ]N. Asokan, P.A. Janson, M. Steiner, M. Waidner, “The state of art in the electronic payment systems”, Journal Computer 30 (9), 1997, Pp 28–35.
  8. N Guangli, C Yibing, Z Lingling, G.Yuhong,” Credit card customer analysis based on panel data clustering”, International Conference on Computational Science, ICCS 2010, 248–254.
  9. S. Ram, J.N. Sheth, “Consumer resistance to innovations: the marketing problem and its solutions, Journal of Consumer Marketing”, 1989, Pp 98-109
  10. T. Dahlberg, N. Mallat, “Mobile payment service development managerial implications of consumer value perceptions”, the 3^thInternational conference on computer technology,2002.
  11. T. Laukkanen, T. Kantanen, “Consumer value segments in Mobile Bill paying, the 3^thInternational Conference on Information Technology: New Generations (ITNG’06) IEEE, 2006.
  12. Weka. (n.d.). Retrieved from http://www.cs.waikato.ac.nz/ml/weka/