Exploring Determinants Influencing the Intention to Use Mobile Payment Service

Abstract

Mobile services are becoming increasingly commonplace in everyday life; however, Mobile payment (M-payment) is not among frequently used mobile services. The slowness of the diffusion of this service is the point of departure of the current research. The authors discuss why consumers are slow in adopting M-payment service and develop a proposed model that measures the customer’s attitude and intention to use this technology in Egypt. Different theories from diverse fields are reviewed to formulate the study’s conceptual framework. Empirical data were collected via an online survey for a sample of 490 students in “open education”, a type of e-distance learning. The results suggest that although the most important determinants influencing the customer’s attitude toward the service are perceived behavioral control and perceived usefulness, those influencing the intention to use it are perceived innovativeness, perceived expressiveness, facilitating condition, perceived usefulness, and social pressure. The results of the research differ from those of previous studies because of the effect of the Egyptian culture. Service providers can benefit from the results when formulating the marketing strategies to increase the usage of this service, improving mobile commerce.

Assessing the relationship between non-cash payments and various economic indicators

“…Scientists investigate and develop new software systems on the interaction between clients and a business, while banks repeat top-performing projects after the leaders -Kaspi.kz (Soldatenko & Essimzhanova, 2021). Some considered mobile payments become more widespread due to the interaction between sellers, buyers, banks, and the government (Mahran & Enaba, 2011;Riedl et al, 2015;Yu et al, 2019). Others considered that electronic commerce in the very beginning developed through computers by using online banking, which allowed en-tering a card number to carry out a transaction.…”

“…Banking, non-cash payments, online trading via mobile phones, and other factors are mainly studied (Mahran & Enaba, 2011;Riedl et al, 2015;Yu et al, 2019). However, in the beginning, there were problems of integration between technologies in different countries that were solved through platformization.…”

Toward a cashless economy: Exploring Drivers of Mobile Wallets Adoption from Consumers’ and Service Providers’ Perspectives

“…Indeed, by using different approaches and according to various theoretical foundations, scholars gradually attempt to explain how customers formulate their perception, attitude, intention and behavior toward mobile wallet usage in everyday life. (Mahran and Enaba, 2011;Badran,2016;Humbani and Wiese 2019;Herget and Krey 2021)…”

“…Venkatesh et al (2003) acknowledged the importance of social influence in the adoption of technology in his study. The importance of social pressure in terms of attitude has positively been recognized in the context of mobile application (Nysveen et al, 2005), in mobile payment service (Mahran & Enaba, 2011;Schierz et al, 2010). On the other hand, Nysveen et al (2005) argues that social pressure directly affects behavioral intention, irrespective of the attitude.…”

“…Perceived usefulness is defined as "the degree to which an individual believes that using a particular system would enhance his or her job performance" (Davis, 1989, p. 26). This determinant has been known with different names such as utility expectancy or performance expectancy to adapt with technological application (Mahran & Enaba, 2011;Qingfeietal,2008;Venkatesh et al, 2003). Perceived usefulness of mobile payment service is affected by several variables such as rapidity and convenience in dealing with mobile payment service compared with other available payment method are considered to be the most effective (Dewan & Chen, 2005).…”