Volume 18
Abstract: When purchasing a good or service, there are now more options than ever when deciding how to pay. Recently, Peer-to-Peer (P2P) payment apps have become popular. Extant literature shows that credit cards and mobile payments have an effect on how people interact with purchases, those interactions being evaluated by pain of payment, convenience, and willingness to pay (WTP). However, P2P apps have not yet been evaluated on those same criteria. This study seeks to fill in the gap with a focus on the college-aged population. We compared P2P apps with debit cards and used cash as a constant. Surprisingly, participants in our study found debit cards more convenient than P2P apps. Participants were willing to pay more with P2P apps than debit cards for lower priced items, but the inverse was found for higher priced items. Download this article: JISARA - V18 N1 Page 4.pdf Recommended Citation: Kim, P., Fantin, A., Metzer, R., (2025). Are Students Willing to Pay More? An Exploration of Peer-to-Peer Payment App Use Among College Students. Journal of Information Systems Applied Research and Analytics 18(1) pp 4-16. https://doi.org/10.62273/QYLZ2686 | ||||||