Trusting M-Payments - Realising the Potential of Smart Phones for M-Commerce: A Conceptual Model & Survey of Consumers in Ireland

Consumer adoption of Smart Phones is growing internationally at a phenomenal rate. Smart Phones integrate functionality that previously required numerous technological artifacts. Smart Phones present significant M-Commerce opportunities for all organisations, but such potential has yet to be realised. If such potential is to be realised, the ability of consumers to utilise a Smart Phone to engage with transactional push and pull Smart Mobile Media Services (SMMS), and to make M-Payments for products/services using these devices in an easy, safe, and reliable manner, must be addressed. In response, this paper contributes a conceptual model, tested using an online survey, to explain Irish consumers’ willingness to use Smart Phones to make MPayments for products and services. The empirical findings of the developed PLS model illustrate that the ramifications of this study for the deployment of the two Smart Mobile Media Services (SMMS) models; the push and pull models, are significantly different.