The cognitive-affective nexus on mobile payment continuance intention during the COVID-19 pandemic

Abstract

Purpose

This study examines the antecedents of continuance intention to use mobile payment in the midst of a pandemic. In general, the cognitive-affective-conative (CAC) framework was used as the theoretical base. More specifically, the dynamic interrelationships between the cognitive and affective constructs were derived from a penta-dimensional perspective.

Design/methodology/approach

An online survey yielded 307 responses from youths who were utilizing mobile payment through an online survey which were then analyzed using structural equation modeling (SEM) and artificial neural network (ANN).

Findings

Both positive and negative affective constructs significantly influence continuance intention and can also serve as mediators to the cognitive variables. Interestingly, price savings and referent network size were revealed to be sources of technostress. In addition, despite not having a significant direct influence, price savings should not be overlooked given its indirect significance on continuance intention.

Originality/value

Based on the CAC framework, the constructs were conceptualized according to the respective dimensions to develop this study's research model. It was then used to examine their influences on the continuance intention to use mobile payment in the midst of a pandemic. Moreover, a few novel hypotheses were proposed, and the findings serve to increase the understanding of this subject matter.

Citation

Loh, X.-M., Lee, V.-H., Hew, T.-S. and Lin, B. (2022), "The cognitive-affective nexus on mobile payment continuance intention during the COVID-19 pandemic", International Journal of Bank Marketing, Vol. 40 No. 5, pp. 939-959. https://doi.org/10.1108/IJBM-06-2021-0257