118277 20250722154011.0 doi 10.1016/j.tele.2022.101851 sideral 129552 ART-2022-129552 eng Belanche, D. Universidad de Zaragoza (orcid)0000-0002-2291-1409 Customer adoption of p2p mobile payment systems: The role of perceived risk 2022 Access copy available to the general public Unrestricted Peer-to-peer (P2P) payments are experiencing strong growth due to the notable interest in mobile payments and the effect of the COVID-19 pandemic on individuals’ behaviours. This research analyses the success factors in customers’ adoption of Bizum, a prototypical P2P mobile payment system already used by almost half of the Spanish population. Using data from real Bizum users and structural equation modelling, it was confirmed that: (1) customers’ attitudes and perceptions of control over the mobile app increased use and WOM intentions; (2) the subjective norm (i.e., social approval) is not important for the adoption of this P2P service; (3) the direct effect of perceived risk on behavioural intentions is not significant and that perceived risk is moderated by perceived security, such that its negative effects are significant when users perceive lower levels of security; (4) age and gender do not significantly influence adoption, which suggests that the service might be used by a wide spectrum. Finally, from a practical viewpoint, this research contributes to the understanding of the success factors underlying P2P platforms, which can help managers better develop their market penetration strategies in a highly competitive sector. info:eu-repo/grantAgreement/ES/MICIU/PID2019-105468RB-I00 info:eu-repo/grantAgreement/ES/UZ/JIUZ-2020-SOC-03 info:eu-repo/semantics/openAccess by http://creativecommons.org/licenses/by/3.0/es/ 8.5 2022 INFORMATION SCIENCE & LIBRARY SCIENCE 5 / 84 = 0.06 2022 Q1 T1 1.878 2022 Communication 2022 Q1 Law 2022 Q1 Electrical and Electronic Engineering 2022 Q1 Computer Networks and Communications 2022 Q1 16.0 2022 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Guinalíu, M. Universidad de Zaragoza (orcid)0000-0002-1456-4726 Albás, P. 4011 095 Universidad de Zaragoza Dpto. Direc.Mark.Inves.Mercad. Área Comerci.Investig.Mercados 72 (2022), 101851 [13 pp.] Telemat. inform. Telematics and Informatics 0736-5853 595955 http://zaguan.unizar.es/record/118277/files/texto_completo.pdf Versión publicada 2046349 http://zaguan.unizar.es/record/118277/files/texto_completo.jpg?subformat=icon icon Versión publicada oai:zaguan.unizar.es:118277 articulos driver 2025-07-22-15:35:44 ARTICLE