Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/325591 
Year of Publication: 
2025
Citation: 
[Journal:] European Journal of Management and Business Economics (EJM&BE) [ISSN:] 2444-8451 [Volume:] 34 [Issue:] 2 [Year:] 2025 [Pages:] 149-173
Publisher: 
Emerald, Leeds
Abstract: 
Purpose - Traditional payment systems based on cash and bank cards are being replaced by new innovative formats. This research analyzes the success factors in the adoption by customers of Bizum, a peer-to-peer (P2P) mobile payment system widely used in Spain. This study proposes a theoretical framework based on the Stimulus-Organism-Response (S-O-R) model and includes the analysis of the moderating effect of perceived risk and the mediating effect of perceived trust. Design/methodology/approach To achieve the proposed objectives, an online questionnaire was administered to 701 Spanish smartphone users, potential users of the proposed P2P payment systems. Findings The results show that perceived usefulness is the most important predictor of intention to use. Additionally, a medium predictive relevance performance of the proposed model is found. Originality/value This research contributes to a more holistic understanding of the adoption of P2P payment systems and provides new business opportunities that companies can exploit through the use of this technology.
Subjects: 
Intention to use
P2P payment systems
Perceived risk
S-O-R model
Persistent Identifier of the first edition: 
Creative Commons License: 
cc-by Logo
Document Type: 
Article

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