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Table 4 Mean responses by the origin of the respondents and order test.

From: Determinants of success of mobile payments as innovations: An exploratory study based on the extant literature, the M-Pesa, Alipay, and Nubank cases, and the opinion of experts

Question [associate variable]

Respondent’s sector

Full set average

Mann–Whitney

Private

Public

Statistics z

P-value

Q1 [smartphone penetration]

4.67

4.53

4.60

0.72

0.47

Q2 [people with bank accounts]

3.50

3.32

3.42

0.41

0.69

Q3 [little restrictive regulation]

3.50

3.79

3.63

− 1.04

0.30

Q4 [government incentives]

3.50

2.47

3.05

2.90

0.00

Q5 [low regulatory burden]

3.29

3.58

3.42

− 0.81

0.42

Q6 [long-term vision]

4.00

3.95

3.98

− 0.05

0.96

Q7 [decentralized decision]

3.79

3.16

3.51

2.01

0.04

Q8 [cooperative activity]

4.08

4.00

4.05

0.34

0.73

Q9 [company size]

2.75

2.79

2.77

− 0.38

0.71

Q10 [economies of scale]

4.42

4.33

4.38

0.46

0.66

Q11 [joint service supply]

4.46

4.05

4.28

1.98

0.05

Q12 [complementary services]

3.83

3.53

3.70

1.38

0.17