AI personalization strongly boosts long-term mobile payment engagement
Published on: Dec. 6, 2025, 10:10 p.m. | Source: Devdiscourse
The study identifies a major gap in the existing literature: while early mobile payment research relied on models that explained initial adoption, such as the Technology Acceptance Model and the Unified Theory of Acceptance and Use of Technology, these frameworks no longer capture the realities of a mature mobile payment environment. With usage widespread and cash transactions increasingly rare, users are no longer asking whether mobile payment systems are easy or useful; instead, researchers must understand the deeper psychological, experiential, and contextual factors that drive continued use.
