Abstract:
Facial Recognition Payment Services (FRPS) are increasing in popularity globally,
largely due to the convenience of the innovation. Existing literature has explored
general consumer adoption of FRPS and resistance primarily relating to the privacy
concerns the service introduces. This quantitative study explored potential inhibitors
evident in consumers relating to the Use Intention (UI) and Intention to Recommend
(ITR) as a payment service using Innovation Resistance Theory (IRT) as the core
framework. Elements of the Technology Acceptance Model (TAM), the Unified Theory
of Acceptance and Use of Technology (UTAUT) and Status Quo Bias (SQB) theory
were used to formulate the conceptual model. The study utilised an online survey to
collect 303 consumer responses through a non-probability, snowball sampling
methodology. Smart-PLS was then used to conduct Partial Least Squares Structural
Equation Modelling (PLS-SEM) on the collected data. The research found that
Usage, Risk, and Image Barriers are significant predictors of inhibition of Use
Intention whilst Inertia and Mistrust significantly impede a consumer’s intention to recommend FRPS. It was further noted that Desirability did display signs of
moderation within the model.
