Owing to the convenience, reliability and contact-free feature of Mobile payment (M-payment), it has been diffusely adopted in China during the COVID-19 pandemic to reduce the direct and indirect contacts in transactions, allowing social distancing to be maintained and facilitating stabilization of the social economy. This paper aims to comprehensively investigate the technological and mental factors affecting users’ adoption intentions of M-payment under the COVID-19 pandemic, to expand the domain of technology adoption under the emergency situation. This study integrated Unified Theory of Acceptance and Use of Technology (UTAUT) with perceived benefits from Mental Accounting Theory (MAT), and two additional variables (perceived security and trust) to investigate 739 smartphone users’ adoption intentions of M-payment during the COVID-19 pandemic in China. The empirical results showed that users’ technological and mental perceptions conjointly influence their adoption intentions of M-payment during the COVID-19 pandemic, wherein perceived benefits are significantly determined by social influence and trust, corresponding with the situation of pandemic. This study initially integrated UTAUT with MAT to develop the theoretical framework for investigating users’ adoption intentions. Meanwhile, this study originally investigated the antecedents of M-payment adoption under the pandemic situation and indicated that users’ perceptions will be positively influenced when technology’s specific characteristics can benefit a particular situation.

Shopping through Live-Streaming Shopping Apps (LSSAs) as an emerging consumption phenomenon has increased dramatically in recent years, especially during the COVID-19 lockdown period. However, insufficient studies have focused on the psychological processes undergone in different customer demographics while shopping via LSSAs under pandemic conditions. This study integrated the Unified Theory of Acceptance and Use of Technology 2 with Flow Theory into a Stimulus-Organism-Response framework to investigate the psychological processes of different customer demographics during the COVID-19 lockdown period. A total of 374 validated data were analyzed by covariance-based structural equation modelling. The statistical results demonstrated by the proposed model showed a significant discrepancy between different gender groups, in which Flow, as a mediator, representing users’ engagement and immersion in shopping via LSSAs, was significantly moderated by gender where connection between stimulus components, hedonic motivation, trust and social influence and response component perceived value are concerned. This study contributed a theoretical development and a practical framework to the explanation of the mental processes of different customer demographics when using an innovative e-commerce technology. Furthermore, the results can support the relevant stakeholders in e-commerce in their comprehensive understanding of customers’ behavior, allowing better strategical and managerial development.

Mobile payment (M-payment), as an emerging financial transaction method has been widely adopted in various contexts. In order to investigate the significance factors and espoused cultural moderators impacting users' M-payment continuance usage intention in China, this study proposes a comprehensive model integrating Unified Theory of Acceptance and Use of Technology (UTAUT) and Expectancy Confirmation Model (ECM) with trust variable espoused by Hofstede's cultural value to investigate factors affecting users' continuance intention of using M-payment. In addition, based on the proposed model, researchers can more accurately explain user' behavior not only corresponding technological perceptions, but also mental expectations and espoused cultural values for various technology continuance acceptance under different cultural background.

According to the dramatic development of innovative information technology in worldwide ranges, business climate has changed from traditional commerce to virtual commerce in recent two decades. It is important to synthetically understand customers' adoption intention of new technology for better business management and strategy involved with information technology. Thus, this study extends the Flow theory by integrating variables from the revised Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model and satisfaction to propose a theoretical development for investigating the factors determining customers' behavioral intention on adopting new information technology. In addition, the proposed theoretical development contributes the relevant researches on systematical understanding customers' adoption intention determined from technological perceptions to mental cognition. Moreover, the proposed framework and measurement method can be applied as reference for relevant researchers and stakeholders to investigate customers' behaviors for further research and future business management and strategy.