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<p>This study investigates how online infodemic exposure (OIE) during COVID-19 influences mobile payment adoption, a link often overlooked in research that focuses on pandemic-related digital payment adoption. Drawing on stimulus–organism–response theory, protection motivation theory, and availability heuristic theory, the study proposes that OIE heightens perceived pandemic severity, which subsequently increases mobile payment adoption. Using survey data from 258 active mobile payment users in Taiwan, the findings show that OIE is positively related to perceived severity, which in turn is linked to greater mobile payment adoption. An inverse moderation by internet usage intensity emerges: the positive association between OIE and adoption is stronger among lower-intensity internet users than among higher-intensity users. This pattern aligns with greater reliance on availability-based judgments among lower-intensity users, whereas higher-intensity users, who access more diverse information and engage in more critical evaluation, display weaker effects. The results should be interpreted cautiously due to key limitations: a cross-sectional, self-reported design that limits causal inference and may introduce self-selection bias; a Taiwan-based sample that constrains generalizability; and possible alternative mechanisms at macro and micro levels. Overall, the study advances understanding of mobile payment adoption in health crises and offers practical guidance for sustaining use beyond pandemics.</p>

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From threat to transaction: an integrative multi-theory lens of mobile payment adoption during health crisis

  • 期刊论文

  • 发表日期：

    2026年2月11日

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  • Margaret L. Sheng,
  • Abu Amar Fauzi

摘要

This study investigates how online infodemic exposure (OIE) during COVID-19 influences mobile payment adoption, a link often overlooked in research that focuses on pandemic-related digital payment adoption. Drawing on stimulus–organism–response theory, protection motivation theory, and availability heuristic theory, the study proposes that OIE heightens perceived pandemic severity, which subsequently increases mobile payment adoption. Using survey data from 258 active mobile payment users in Taiwan, the findings show that OIE is positively related to perceived severity, which in turn is linked to greater mobile payment adoption. An inverse moderation by internet usage intensity emerges: the positive association between OIE and adoption is stronger among lower-intensity internet users than among higher-intensity users. This pattern aligns with greater reliance on availability-based judgments among lower-intensity users, whereas higher-intensity users, who access more diverse information and engage in more critical evaluation, display weaker effects. The results should be interpreted cautiously due to key limitations: a cross-sectional, self-reported design that limits causal inference and may introduce self-selection bias; a Taiwan-based sample that constrains generalizability; and possible alternative mechanisms at macro and micro levels. Overall, the study advances understanding of mobile payment adoption in health crises and offers practical guidance for sustaining use beyond pandemics.