Driving Continuance Usage in Mobile Payments: An S-O-R Analysis of User Experience and Psychological Mechanisms

Abstract

This study investigates the factors influencing the continuance usage of mobile payment applications by integrating the Stimulus-Organism-Response (S-O-R) framework. Focusing on post-adoption behavior shaped users’ internal psychological states (satisfaction, flow, and resistance to change), which in turn drove sustained engagement with mobile payment. A survey-based approach targeting 524 experienced mobile payment users in China is a mature cashless society. The findings revealed that convenience, security, compatibility, network externalities, media literacy, and mobile self-efficacy significantly enhanced user satisfaction. Security and media literacy uniquely influenced flow and resistance to change, while convenience, compatibility, and network externality primarily enhanced satisfaction.This study extends the SOR framework to post-adoption contexts, emphasizing the dynamic interplay between external stimuli and internal states in sustaining mobile payment usage.