Abstract
There have been calls for additional mobile-payment focused research that considers cultural factors
and addresses the lack of diversity in terms of the theoretical models employed. To fill the identified
research gaps regarding mobile payment options, this research investigated consumer behaviour postadoption
of mobile payment options and compared Australian and German consumers. The cognitive
appraisal theory (CAT) was utilised with a quantitative, survey approach employed. 463 overall
survey responses were collected, 234 from Australia and 229 from Germany. Surprisingly, this
research found that German participants had higher perceived trust and security as well as higher
digital literacy scores overall than Australian participants when it came to using mobile payment
options. Thus, this research has addressed research gaps concerning mobile payment by finding that
mobile payment usage runs counter to traditional cultural belief.