  The use of mobile payment services is an essential contributor to financial
inclusion in emerging markets. Unfortunately, the service has become a platform
for fraud. Mobile payment users need to be digitally resilient to continue
using the service after adverse events. However, there is scant literature on
users' continuance use of mobile payment services in the post-event of fraud.
The focal point of prior literature has been on technology adoption or threat
avoidance to implement policies that protect users. Analysing the relationship
between individual digital resilience and post-adoption behavioural patterns
will enable service providers to support individual digital resilience to
promote users' continuance use of the service. This research aims to develop
and empirically validate a conceptual model to examine individual digital
resilience in the context of the continuance use of mobile payments. The model
will be based on protection motivation theory. Survey data will be obtained
from victims of mobile payment fraud and other users who continue using the
service despite their knowledge of mobile payment fraud. The results from this
study are expected to make key contributions to theory, practice, and policy in
the areas of digital resilience, mobile payments, and ICT4D.
