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Mobile payment (m-payment) still lacks widespread acceptance among Bangladeshi users despite its enormous possibilities. Previous studies have identified the reasons behind such reluctant usage intentions based on the data collected from regular m-payment users in Bangladesh. However, in Bangladesh, no study has considered the first-time user experience, which reflects initial trust yet. Therefore, the study was undertaken to identify the factors determining initial trust and their impact on m-payment usage intention in Bangladesh. We applied the structural equation modelling method to conduct an analysis of 284 first-time m-payment user data in Bangladesh. Initial trust was found positively influenced by perceived ubiquity, perceived security and perceived ease of use; perceived usefulness and the intention to use m-payments were found positively affected by initial trust. The study also revealed the positive association of users’ personal innovativeness and the negative association of perceived cost on m-payment usage intention. The mediation effects of initial trust were also found significant. The study recommends building initial user trust and service provider measures to encourage m-payment usage intention.

Information and Communication Technology (ICT) is extensively being used for educational purpose because it helps to make both learning and teaching effective and meaningful. Again, it shrinks the obstacles of habitual learning systems like allowing students to access unlimited educational resources and providing required data timely. Bangladesh has made marvelous betterment in this sector in the last couple of years especially in tertiary level. Now, it is high time to justify how the tertiary level students of Bangladesh are accepting ICT for learning. The study was conducted at the Noakhali Science and Technology University (NSTU) with randomly collected data from 250 students of various departments. It has justified the perceptions, behavior and expectations of tertiary level students towards the adoption of ICT. The results of this study are expected to be useful to the educational policymakers, institutions, educators and the relevant parties. KEYWORDS: ICT Adoption, ICT in Education, Tertiary Education, NSTU, Bangladesh.

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