Resistance and Refusal toMobile Payment: Analysis of the Iranian Characteristics

In recent years, a number of new payment solutions have been introduced in mobile commerce although with less success. The existence of standardized and widely accepted mobile payment (also known as MP) procedures is crucial for successful business-to-customer mobile commerce. On the other hand, Non-acceptance of innovations has generally been attributed to the failure of laggards to keep up with the time. While our previous survey has investigated positive adoption decisions, this paper focuses on consumer resistance against innovation instead. In this paper we examine the conditions of resistance to the MP procedures by Iranian customers. In fact we attempts to discover causes that force an Iranian customer in particular to resist to innovation such as mobile payment. Based on the theory of innovation resistance and the mobile payment literature, we designed a questionnaire which is distributed amongst our understudy society of Ordinary Iranians. We employed data mining techniques in order to extract useful patterns from data, which describe the reasons of that refusal associated with different social and cultural levels of the society.