Mobile Payment Payment Adoption Among Rural Petrol Station Dealers in Malaysia: A Review

Abstract

The mobile phone has become an indispensable tool for physical and online retail. Mobile phone payment is gaining popularity and accelerating as users prefer no-contact payment due to the pandemic.  In rural regions, however, mobile payments (m-payments) are still in the adoption and early acceptance stages. There is a need to speed up the usage, particularly in rural regions, as their mobility and accessibility suggest that they will be widely accepted mobile services. Surrounding issues of m-payment, existing research has ignored recommendations for merchant-centric research in favour of customer acceptance. Therefore, this research gives a preliminary examination of the rural merchants' acceptance of mobile payments. Initially, 325 articles on the emergence of m-Payment were collected and reviewed. Papers were filtered out by considering inclusion and exclusion metrics. The documents covering m-payment for petrol station dealers, published from 2018 to 2022, published in English and full length, have been considered. Finally, 135 articles remained to be considered in this study. The study found that cost, security and attitude are the most significant impediments to merchants' adoption of m-payment systems in rural areas. Based on the findings, several suggestions for practitioners and research directions are identified.