This study examines the impact of digital payment methods on consumer spending, highlighting adoption's moderating role. A two-phase approach, involving 741 survey participants and 166,151 customer records, reveals that digital payments increase willingness to pay and total spending compared to credit cards. Adoption plays a pivotal role, with simple payment users showing significantly higher credit card usage than non-users.

Although older adults’ adoption rates of smartphones have continued to increase in recent years, health-related apps are not widely accepted by older adults. Therefore, the primary aim of this study was to explore older adults’ adoption behavior of mobile health (mHealth) apps in the U.S. Specifically, this study applied protection motivation theory (PMT; Rogers, 1975) as the theoretical base to explain older adults’ adoption process of health apps to understand the influences of threat and coping appraisals on older adults’ adoption behavior of health apps. In addition, the current study incorporated the technology readiness theory (Parasuraman, 2000) to understand the influences of older adults’ positive and negative technological readiness (TR) on their PMT components. Data were collected from older adults (n = 600; 60% female) aged over 55 in the U.S. using online survey questionnaires. The data analysis was conducted using partial least square structural equation modeling (PLS-SEM). The findings suggest the impact of coping appraisals on older adults’ attitudes toward mHealth apps and their (continuance) intention to use mHealth apps. Especially among PMT’s four appraisal components, response efficacy was the most critical underlying mechanism driving mHealth app-related attitude and behavioral intention. In addition, older adults’ beliefs about using mHealth apps (i.e., TR) significantly influenced their coping appraisal processes, while positive TR was more critical in forecasting their coping appraisals. The results suggest a need to classify older consumers into different segments based on their TR to develop differentiated marketing strategies. The findings also suggest that marketers understand various protective motivation components concerning the use of mHealth apps among older adults.

A firm’s new product success is mainly determined by how well it is accepted by the mass in a short time. Although companies have been adopting various marketing methods, word-of-mouth [WOM] has been regarded as one of the most effective means for customer acquisition (Villanueva, Yoo & Hanssens, 2008), primarily due to its reliability, social support, and support by social pressure and surveillance as Arndt (1967) has suggested (as cited in Woodside and Delozier, 1976). Moreover, online word-of-mouth is being given new significance alongside the advent of social media such as Facebook, Twitter, blogs, and other online channels (Berger and Iyengar, 2013; Dellarocase, 2003; Schafer & Taddicken, 2015). For this reason, researchers have paid a close attention to opinion leaders, who are not only early adopters of innovation themselves (Goldsmith & Witt, 2003), but also information transmitters and influencers (Vernette, 2004). Therefore, this study aims to identify both online and offline opinion leaders, who could adopt new products first, and diffuse the adoption of new products to others. Thus, this study draws upon the innovation diffusion theory conceptualized by Rogers (1995). According to Rogers (1995), innovation is defined as an individual’s or an organization’s perception of an idea as new. In addition, he articulates that if an innovation is transferred through certain communication channels over time within a social system by its members, diffusion occurs (Rogers, 1995; Rogers, 2002). The main purpose of this paper is to examine the intermediary role of opinion leadership as a quintessential link between consumer characteristics (consumer innovativeness and lifestyle and values) and new product adoption behavior. The research data is collected through survey, which is conducted by distributing questionnaires to a group of users of Apple Watch by Apple, Mi band by Xiaomi, and the products by Fitbit. The model of the study will be tested through structural equation modeling approach. In particular, this paper considers not only regular opinion leadership in offline context, but also online opinion leadership in order to go with the tide of the developing online world. Moreover, this study selects wearable technology as a new product category, which makes the overall research highly fashion-oriented. Furthermore, this study explores the moderating effect of involvement of product category on the relationship between lifestyles and values and opinion leadership. The author anticipates that fashion innovativeness and four lifestyle and values factors (sense of accomplishment, self-fulfillment, excitement, and fun and enjoyment) will positively affect online and offline opinion leaderships, which again will have a positive influence on new product adoption behavior. Moreover, this study predicts that the correlation between lifestyles and values and involvement of product category will have a positive influence on online and offline opinion leaderships and new product adoption behavior. This study may contribute both to the academia and to the managers within businesses that deal with wearable devices. Theoretically, this study is of particular value in that it adopts consumers’ lifestyles and values as predictors of opinion leadership and new product adoption behavior, which is an uncommon approach within existing research streams regarding opinion leadership and new product acquisition. In managerial terms, by revealing the significant relationships between the consumer characteristics and both offline and online opinion leaderships who are the potential customers of new products, this study enables the managers to identify their targets and differentiate their marketing strategies considering the different characteristics of consumers in offline and online environments. In particular, since this study adopted several wearable technologies as new products, businesses that deal with wearable devices may pay close attention to the results of this study and manipulate their marketing strategies in adequate terms.