Money vs. Social Life: Why People Choose Not to Use Facebook Messenger Payment
Research Questions:
Why are people unwilling to use Facebook Messenger payment?
How do people perceive the integration of P2P payments with social media services in general?
As money and mobile peer-to-peer (P2P) payment experiences have become an emerging research agenda in HCI, prior studies have focused on the factors that promote the use of P2P payment services as well as related design implications. Yet, few have investigated why people decide not to use such services (e.g., technology non-use) and how people perceive the increasing trend of integrating P2P payments with social media services.
Method
Recruitment:
1. Collecting people’s self-reports regarding their views and experiences about Messenger payment and the design of integrating P2P payments with social media that were posted on any online website or platform.
2. Posting recruitment messages on Facebook and Reddit to recruit interviewees who had experienced Messenger payment.
Data Analysis:
158 valid posts and comments; 8 semi-structured interviews
In-depth qualitative analysis: thematic analysis
Results
RQ1
① Established “stickiness” with other competitive P2P payment apps
② Distrust of the Facebook ecosystem
③ Tensions between financial transactions and personal interaction
② Distrust of the Facebook ecosystem
③ Tensions between financial transactions and personal interaction
RQ2
① Some held a more positive attitude toward this trend
② Some felt quite overwhelmed by such an all-in-one integration
② Some felt quite overwhelmed by such an all-in-one integration
Contribution
This study not only extends our existing understanding of technology non-use through the lens of Facebook payment but also helps HCI researchers and designers innovate emerging financial technologies and better understand the global phenomenon of all-in-one design.