From Intent to Action: Nudging Users Towards Secure Mobile Payments

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" summary

Mixed-methods study tests two nudges — a protection motivation theory nudge and a combined PMT + implementation intention plan — with 20 interviews and a 411-participant longitudinal field experiment focused on Apple Pay. Both interventions boost beliefs that Apple Pay protects against card fraud (control 37% vs treatments >84%) and increase real-world use, with PMT+II showing the largest effect. Reports reveal setup friction, bank verification, accidental activation, and retail NFC gaps that still block some conversions, and about a third who set up never used it until nudged.

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" chapters (25)

1. 0:00Intro
2. 0:47Nudges
3. 1:07Protection Motivation Theory Nudge
4. 1:24Threat Susceptibility: Recent Cases of Card Information Theft
5. 1:42Threat Severity: The Consequences of Card Fraud
6. 1:55Response Efficacy: The Security Protections of Mobile Payments
7. 2:30Instructions for Using Mobile Payments
8. 3:12Implementation Intention Template
9. 3:45Methodology
10. 4:16Interview Design Recruitment Survey
11. 5:21Widespread Awareness of Mobile Payments
12. 5:54Positive Aspects of Mobile Payments
13. 6:22Obstacles To Using Mobile Payments
14. 7:09Usability Challenges
15. 8:46Forming a Plan Helped Identify Challenges
16. 9:25Misconceptions
17. 10:04FAQ
18. 10:27Use of Mobile Payments
19. 10:53Experimental Design
20. 11:47Treatments Made Participants More Likely To Use Apple Pay
21. 12:14Treatments Made Participants More Likely To Agree That Apple Pay Would Protect Them
22. 12:57Treatments Increased Intention To Use Apple Pay
23. 13:15Intention Didn't Always Translate Into Behavior
24. 13:40Participants Mostly Set Up Apple Pay After The Intervention When Did They Set Up Apple Pay?
25. 14:17Conclusion

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