Mobile payment adoption by citizens of tier-II cities with special reference to COVID-19: extending UTAUT with intrinsic motivation and perceived credibility

Sahi, Anu; Manrai, Rishi

doi:10.1504/ijbis.2023.129724

Cited by 1 publication

(2 citation statements)

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“…Intrinsic Motivation (IM) was also found to be significant in both analyses, suggesting that users may choose to go cashless and use mobile payment as they deem it will enhance their status, and not to mention for simple personal reasons such as enjoyment and fun. The same sentiments were reflected in other studies whereby users were found to adopt or inclined to adopt a new technology for intrinsic motivations (Alalwan et al, 2017; Bastari et al, 2020; Islam et al, 2023; Lian & Li, 2021; Sahi & Manrai, 2023). In terms of the precursor to intrinsic motivations, Li and Wen (2019) echoed the significance of factors such as sense of belonging and trust having large positive impact on enjoyment.…”

Section: Discussionsupporting

confidence: 70%

“…Further, people are believed to consider the novelty of a new technology as well as its degree of entertainment when considering using it (Bastari et al, 2020;Lian & Li, 2021). In the context of mobile payment, intrinsic motivation was found to be positively related to cashless readiness (Islam et al, 2023) and adoption of mobile payment (Sahi & Manrai, 2023). Therefore, we posit that intrinsic motivation will have a positive effect on both readiness and mobile payment adoption intent, with the hypotheses given below: The studies generally found that being conscious of a new technology and its profits is a critical step in mobile payment adoption.…”

Section: Hypotheses Formulationmentioning

confidence: 99%

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Going Cashless? Elucidating Predictors for Mobile Payment Users’ Readiness and Intention to Adopt

Balakrishnan,

Lay Gan

2023

Sage Open

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This study identifies the predictors for mobile payment readiness and intention to adopt among Malaysians. Data were collected using self-reporting questionnaires ( n = 434) that were developed by partially adopting factors from the Unified Theory of Acceptance and Use of Technology 2 and Technology Readiness Index 2.0 and extended using constructs from existing literature. An Exploratory Factor Analysis was conducted, followed by Confirmatory Factor Analysis. Structured equation modeling revealed Perceived Effort and Usefulness, Optimism, Intrinsic Motivation and Lack of Awareness to significantly predict users’ readiness to go cashless ( R2 = 89.7%; predictive relevance = 88%). Perceived Effort and Usefulness, Intrinsic Motivation, and Perceived Risk significantly predicted intention to adopt mobile payment ( R2 = 23.9%; predictive relevance = 19.3%). Findings revealed significant predictors that affect mobile payment intention to adopt and users’ readiness, therefore provide useful insights to government agencies, policy makers and financial institutions to understand the current landscape of mobile payment adoption in the country, and subsequently help in the formulation of appropriate strategies to improve the uptake of mobile payments.

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