**Examining Merchants' Refusal to Adopt Mobile Payment Systems in Spain Payment Systems in Spain**

**Examining Merchants' Refusal to Adopt Mobile** 

DOI: 10.5772/intechopen.70284

Francisco Liébana-Cabanillas, Francisco Muñoz Leiva and Juan Sánchez Fernández and Juan Sánchez Fernández Additional information is available at the end of the chapter

Francisco Liébana-Cabanillas, Francisco Muñoz Leiva

Additional information is available at the end of the chapter

http://dx.doi.org/10.5772/intechopen.70284

#### **Abstract**

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Over the past years, traditional company management has been undergoing major changes regarding the adoption, implementation, and development of new technologies. Even if Internet commerce has the potential to revolutionize consumer behavior and the way merchants communicate with their customers, it is true that several activities related to the new technologies are still in the early stages of development or implementation. The main purpose of this study is to assess the determinants of m-payments from the point of view of merchants through an exploratory and qualitative analysis (literature review, focus groups, and in-depth interviews) in order to find the drivers and deterrents influencing the use of mobile payment systems in retail business. In order to properly approach the proposed research, a theoretical review of the actual situation of the different mobile payment systems across the different markets was carried through several personal interviews with merchants in the first place and, secondly, surveying over 151 retail companies in Spain. Conclusions and implications are discussed from the data and results drawn from this research, suggesting strategies to overcome some of the identified barriers and deterrents while also proposing some suggestions for future research opportunities.

**Keywords:** mobile payment, m-payment, merchant, adoption, barriers
