{"id":"https://openalex.org/W7153336015","doi":"https://doi.org/10.3991/ijim.v20i07.61089","title":"Determinants of Mobile Payment Adoption by Businesses: An Empirical Study Using the Perceived E-Readiness Model (PERM)","display_name":"Determinants of Mobile Payment Adoption by Businesses: An Empirical Study Using the Perceived E-Readiness Model (PERM)","publication_year":2026,"publication_date":"2026-04-10","ids":{"openalex":"https://openalex.org/W7153336015","doi":"https://doi.org/10.3991/ijim.v20i07.61089"},"language":null,"primary_location":{"id":"doi:10.3991/ijim.v20i07.61089","is_oa":true,"landing_page_url":"https://doi.org/10.3991/ijim.v20i07.61089","pdf_url":"https://online-journals.org/index.php/i-jim/article/download/61089/17173","source":{"id":"https://openalex.org/S4210177413","display_name":"International Journal of Interactive Mobile Technologies (iJIM)","issn_l":"1865-7923","issn":["1865-7923"],"is_oa":true,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310313744","host_organization_name":"kassel university press","host_organization_lineage":["https://openalex.org/P4310313744"],"host_organization_lineage_names":["kassel university press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Interactive Mobile Technologies (iJIM)","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://online-journals.org/index.php/i-jim/article/download/61089/17173","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5116064083","display_name":"Navita Vijay","orcid":null},"institutions":[{"id":"https://openalex.org/I4400573291","display_name":"Dayananda Sagar University","ror":"https://ror.org/033f7da12","country_code":"IN","type":"education","lineage":["https://openalex.org/I4400573291"]},{"id":"https://openalex.org/I8977528","display_name":"Dr. Hari Singh Gour University","ror":"https://ror.org/01xapxe37","country_code":"IN","type":"education","lineage":["https://openalex.org/I8977528"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Navita Vijay","raw_affiliation_strings":["Dayananda Sagar University, Bengaluru, India"],"raw_orcid":"https://orcid.org/0000-0002-4572-3654","affiliations":[{"raw_affiliation_string":"Dayananda Sagar University, Bengaluru, India","institution_ids":["https://openalex.org/I4400573291","https://openalex.org/I8977528"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5062772326","display_name":"Nisha Goyal","orcid":"https://orcid.org/0000-0002-7897-0635"},"institutions":[{"id":"https://openalex.org/I4400573291","display_name":"Dayananda Sagar University","ror":"https://ror.org/033f7da12","country_code":"IN","type":"education","lineage":["https://openalex.org/I4400573291"]},{"id":"https://openalex.org/I8977528","display_name":"Dr. Hari Singh Gour University","ror":"https://ror.org/01xapxe37","country_code":"IN","type":"education","lineage":["https://openalex.org/I8977528"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Nisha Goyal","raw_affiliation_strings":["Dayananda Sagar University, Bengaluru, India"],"raw_orcid":"https://orcid.org/0000-0002-7897-0635","affiliations":[{"raw_affiliation_string":"Dayananda Sagar University, Bengaluru, India","institution_ids":["https://openalex.org/I4400573291","https://openalex.org/I8977528"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5133395148","display_name":"Quang Minh Le","orcid":"https://orcid.org/0000-0002-8573-7559"},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Quang Minh Le","raw_affiliation_strings":["VNU University of Economics and Business, Hanoi, Vietnam"],"raw_orcid":"https://orcid.org/0000-0002-8573-7559","affiliations":[{"raw_affiliation_string":"VNU University of Economics and Business, Hanoi, Vietnam","institution_ids":[]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5124435832","display_name":"Shylaja  H. N","orcid":null},"institutions":[{"id":"https://openalex.org/I164861460","display_name":"Manipal Academy of Higher Education","ror":"https://ror.org/02xzytt36","country_code":"IN","type":"education","lineage":["https://openalex.org/I164861460"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Shylaja H. N.","raw_affiliation_strings":["Manipal Academy of Higher Education, Manipal, India"],"raw_orcid":"https://orcid.org/0000-0001-9807-8575","affiliations":[{"raw_affiliation_string":"Manipal Academy of Higher Education, Manipal, India","institution_ids":["https://openalex.org/I164861460"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":{"value":260,"currency":"EUR","value_usd":280},"apc_paid":{"value":260,"currency":"EUR","value_usd":280},"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.33455011,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"20","issue":"07","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.4498000144958496,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10068","display_name":"Technology Adoption and User Behaviour","score":0.4498000144958496,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14064","display_name":"Organizational and Employee Performance","score":0.052299998700618744,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T14356","display_name":"Organizational Leadership and Management Strategies","score":0.02759999968111515,"subfield":{"id":"https://openalex.org/subfields/1408","display_name":"Strategy and Management"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/mobile-payment","display_name":"Mobile payment","score":0.815500020980835},{"id":"https://openalex.org/keywords/empirical-research","display_name":"Empirical research","score":0.5356000065803528},{"id":"https://openalex.org/keywords/payment","display_name":"Payment","score":0.5331000089645386},{"id":"https://openalex.org/keywords/likert-scale","display_name":"Likert scale","score":0.47540000081062317},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"Financial inclusion","score":0.4449999928474426},{"id":"https://openalex.org/keywords/structural-equation-modeling","display_name":"Structural equation modeling","score":0.4438000023365021},{"id":"https://openalex.org/keywords/strategic-information-system","display_name":"Strategic information system","score":0.4390999972820282},{"id":"https://openalex.org/keywords/cornerstone","display_name":"Cornerstone","score":0.36550000309944153},{"id":"https://openalex.org/keywords/mobile-commerce","display_name":"Mobile commerce","score":0.35899999737739563},{"id":"https://openalex.org/keywords/mobile-banking","display_name":"Mobile banking","score":0.35830000042915344}],"concepts":[{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.815500020980835},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6836000084877014},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.5507000088691711},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.5356000065803528},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.5331000089645386},{"id":"https://openalex.org/C105776082","wikidata":"https://www.wikidata.org/wiki/Q617473","display_name":"Likert scale","level":2,"score":0.47540000081062317},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.4449999928474426},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.4438000023365021},{"id":"https://openalex.org/C65986115","wikidata":"https://www.wikidata.org/wiki/Q1135904","display_name":"Strategic information system","level":4,"score":0.4390999972820282},{"id":"https://openalex.org/C2780616401","wikidata":"https://www.wikidata.org/wiki/Q1133673","display_name":"Cornerstone","level":2,"score":0.36550000309944153},{"id":"https://openalex.org/C197378717","wikidata":"https://www.wikidata.org/wiki/Q1154408","display_name":"Mobile commerce","level":2,"score":0.35899999737739563},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.35830000042915344},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.35409998893737793},{"id":"https://openalex.org/C185822510","wikidata":"https://www.wikidata.org/wiki/Q1956140","display_name":"Payment service provider","level":3,"score":0.33970001339912415},{"id":"https://openalex.org/C89785696","wikidata":"https://www.wikidata.org/wiki/Q2290753","display_name":"Theory of planned behavior","level":3,"score":0.3240000009536743},{"id":"https://openalex.org/C107645774","wikidata":"https://www.wikidata.org/wiki/Q5467169","display_name":"Human resources","level":2,"score":0.322299987077713},{"id":"https://openalex.org/C180198813","wikidata":"https://www.wikidata.org/wiki/Q121182","display_name":"Information system","level":2,"score":0.3138999938964844},{"id":"https://openalex.org/C121087249","wikidata":"https://www.wikidata.org/wiki/Q546395","display_name":"Emerging markets","level":2,"score":0.310699999332428},{"id":"https://openalex.org/C198477413","wikidata":"https://www.wikidata.org/wiki/Q7647069","display_name":"Survey data collection","level":2,"score":0.30570000410079956},{"id":"https://openalex.org/C95491727","wikidata":"https://www.wikidata.org/wiki/Q992968","display_name":"Mobile telephony","level":3,"score":0.30140000581741333},{"id":"https://openalex.org/C4216890","wikidata":"https://www.wikidata.org/wiki/Q815823","display_name":"Business model","level":2,"score":0.298799991607666},{"id":"https://openalex.org/C126082660","wikidata":"https://www.wikidata.org/wiki/Q4252370","display_name":"Digital transformation","level":2,"score":0.29589998722076416},{"id":"https://openalex.org/C85973986","wikidata":"https://www.wikidata.org/wiki/Q1091731","display_name":"Exploratory research","level":2,"score":0.29280000925064087},{"id":"https://openalex.org/C121017731","wikidata":"https://www.wikidata.org/wiki/Q11661","display_name":"Information technology","level":2,"score":0.2809999883174896},{"id":"https://openalex.org/C166052673","wikidata":"https://www.wikidata.org/wiki/Q83021","display_name":"Empirical evidence","level":2,"score":0.2806999981403351},{"id":"https://openalex.org/C206345919","wikidata":"https://www.wikidata.org/wiki/Q20380951","display_name":"Resource (disambiguation)","level":2,"score":0.2745000123977661},{"id":"https://openalex.org/C2780346085","wikidata":"https://www.wikidata.org/wiki/Q7884986","display_name":"Unified theory of acceptance and use of technology","level":3,"score":0.2702000141143799},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.2667999863624573},{"id":"https://openalex.org/C40700","wikidata":"https://www.wikidata.org/wiki/Q1411783","display_name":"Industrial organization","level":1,"score":0.26579999923706055},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.25870001316070557},{"id":"https://openalex.org/C48243021","wikidata":"https://www.wikidata.org/wiki/Q932522","display_name":"Strategic planning","level":2,"score":0.25839999318122864}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.3991/ijim.v20i07.61089","is_oa":true,"landing_page_url":"https://doi.org/10.3991/ijim.v20i07.61089","pdf_url":"https://online-journals.org/index.php/i-jim/article/download/61089/17173","source":{"id":"https://openalex.org/S4210177413","display_name":"International Journal of Interactive Mobile Technologies (iJIM)","issn_l":"1865-7923","issn":["1865-7923"],"is_oa":true,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310313744","host_organization_name":"kassel university press","host_organization_lineage":["https://openalex.org/P4310313744"],"host_organization_lineage_names":["kassel university press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Interactive Mobile Technologies (iJIM)","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.3991/ijim.v20i07.61089","is_oa":true,"landing_page_url":"https://doi.org/10.3991/ijim.v20i07.61089","pdf_url":"https://online-journals.org/index.php/i-jim/article/download/61089/17173","source":{"id":"https://openalex.org/S4210177413","display_name":"International Journal of Interactive Mobile Technologies (iJIM)","issn_l":"1865-7923","issn":["1865-7923"],"is_oa":true,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310313744","host_organization_name":"kassel university press","host_organization_lineage":["https://openalex.org/P4310313744"],"host_organization_lineage_names":["kassel university press"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Interactive Mobile Technologies (iJIM)","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities","score":0.7985503077507019}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7153336015.pdf","grobid_xml":"https://content.openalex.org/works/W7153336015.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":[],"abstract_inverted_index":{"The":[0,97,124,162,172,186,198,250],"digital":[1,72,268],"transformation":[2],"of":[3,19,24,32,68,93,105,120,151,159,213,234,262,267],"financial":[4,69,269],"ecosystems":[5],"has":[6,28],"accelerated":[7],"in":[8,53],"recent":[9],"years,":[10],"with":[11],"mobile":[12,33,94,106,121,214],"payment":[13,55,95,122,215],"systems":[14,45],"emerging":[15],"as":[16,50],"a":[17,177,180,183],"cornerstone":[18],"modern":[20],"commerce.":[21],"While":[22,219],"much":[23],"the":[25,35,54,65,81,88,103,118,143,149,152,157,160,209,230,235,247,260,265],"existing":[26],"research":[27],"emphasized":[29],"consumer":[30,60],"adoption":[31,92,104,119,216],"payments,":[34],"determinants":[36],"that":[37,116,201],"drive":[38],"businesses":[39,168,236],"to":[40,86,253,264],"adopt":[41],"and":[42,71,108,112,142,156,205,226,232,243,256,271,280],"integrate":[43],"these":[44],"remain":[46],"comparatively":[47],"underexplored.":[48],"Businesses,":[49],"critical":[51,211],"stakeholders":[52],"ecosystem,":[56],"not":[57],"only":[58],"influence":[59],"usage":[61],"but":[62],"also":[63],"shape":[64],"broader":[66],"trajectory":[67],"inclusion":[70],"economy":[73],"growth.":[74],"Against":[75],"this":[76,78],"backdrop,":[77],"study":[79,163,251],"applies":[80],"perceived":[82,130],"e-readiness":[83,132],"model":[84,98],"(PERM)":[85],"investigate":[87],"factors":[89,115,222],"influencing":[90],"business":[91,139,281],"solutions.":[96],"emphasizes":[99],"organizational":[100,131],"readiness":[101,114,126,145,150,158,231],"for":[102,275],"payments":[107],"studies":[109],"both":[110,254],"internal":[111,125],"external":[113,144,220],"impact":[117],"technology.":[123],"is":[127,146],"accessed":[128,147],"by":[129,148,190,258],"(POER)":[133],"constructs":[134],"like":[135],"awareness,":[136,202],"human":[137,203],"resource,":[138],"resource":[140],"etc.,":[141],"Government,":[153],"market":[154,224],"forces,":[155,225],"competitors.":[161],"was":[164,174,188],"conducted":[165],"on":[166,182],"144":[167],"spanning":[169],"multiple":[170],"sectors.":[171],"data":[173,187],"collected":[175],"through":[176,238],"survey":[178],"using":[179],"questionnaire":[181],"Likert":[184],"scale.":[185],"analysed":[189],"employing":[191],"partial":[192],"least":[193],"squares":[194],"structural":[195],"equation":[196],"modelling.":[197],"findings":[199],"reveal":[200],"resources,":[204],"strategic":[206,244],"alignment":[207],"are":[208],"most":[210],"enablers":[212],"among":[217],"businesses.":[218],"ecosystem":[221],"(government,":[223],"support":[227],"industries)":[228],"matter,":[229],"commitment":[233],"themselves":[237],"informed":[239],"leadership,":[240],"skilled":[241],"employees,":[242],"planning":[245],"play":[246],"dominant":[248],"role.":[249],"contributes":[252],"theory":[255],"practice":[257],"extending":[259],"application":[261],"PERM":[263],"context":[266],"services":[270],"offering":[272],"actionable":[273],"recommendations":[274],"policymakers,":[276],"technology":[277],"service":[278],"providers,":[279],"managers.":[282]},"counts_by_year":[],"updated_date":"2026-08-18T07:49:30.821534","created_date":"2026-04-11T00:00:00"}