Understanding the adoption and usage of mobile payment services by using TAM3

Jaradat, Mohammed-Issa Riad Mousa; Al-Mashaqba, Abedalellah Mohammed

doi:10.1504/ijbis.2014.063768

Cited by 45 publications

(32 citation statements)

References 52 publications

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“…The study of the intention to use, or adopt, is commonly found in prior literature. The relationship between the intention to use and actual adoption has been confirmed in existing studies regarding mobile payment services, such as those by Jaradat and Al-Mashaqba (2014) and Rashed et al (2014). Furthermore, some more recent studies have concentrated on the actual adoption of mobile payments, and have predominantly relied on the TAM, together with additional constructs, for example, H.-Y.…”

Section: Mobile Wallet Individual Differences and Characteristics Omentioning

confidence: 66%

Consumer Adoption of Alipay in Malaysia: The Mediation Effect of Perceived Ease of Use and Perceived Usefulness

Lui¹,

Zainuldin²,

Yii³

et al. 2021

JSSH

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Despite a growing trend in m-wallet services in Malaysia, the actual level of usage is considered low among all of the non-cash payment methods. The Malaysian government has taken a serious initiative in spurring the use of m-wallets by providing a one-off RM30 incentive to all eligible Malaysians. As such, it is important to understand the motivations behind m-wallet usage by examining Alipay, which is favoured in the international, as well as Malaysian markets. This research investigates the effects of mobile payment knowledge, personal innovativeness, self-efficacy, convenience, and compatibility on the actual adoption of Alipay in Malaysia with perceived ease of use and perceived usefulness, as the mediators. Using importance-performance map analysis (IPMA) and Variance Accounted For (VAF), based on Partial Least Squares - Structural Equation Modelling (PLS-SEM) on 260 respondents, it was discovered that compatibility and perceived usefulness demonstrated high importance in improving the performance of Alipay adoption. The results also showed a direct effect between compatibility and mobile payment knowledge. Additionally, perceived usefulness was shown to be an essential mediator in influencing the impact of compatibility and convenience on the actual adoption of Alipay. This study has produced essential policy recommendations for both mobile wallet providers and policymakers on how to further promote the adoption of mobile wallets in Malaysia.

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Section: Mobile Wallet Individual Differences and Characteristics Omentioning

confidence: 66%

Consumer Adoption of Alipay in Malaysia: The Mediation Effect of Perceived Ease of Use and Perceived Usefulness

Lui¹,

Zainuldin²,

Yii³

et al. 2021

JSSH

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“…Similarly, Schierz et al (2010) analyzed empirically the acceptance of m-payment services; they reported that subjective norm strongly impacts the adoption process of m-payment services among consumers. In the meantime, a number of studies conducted on adoption and acceptance of m-payment systems in various cultural settings have empirically established that subjective norm directly and positively influences behavioral intention to use (Li & Zhang, 2012;Yang et al, 2012;Yongmeng, 2013;Li et al, 2014;Jaradat & Al-Mashaqba, 2014). Correspondingly, an empirical study conducted to highlight the factors that influence Chinese consumers to adopt m-payment has demonstrated that the aspect of subjective norm influences behavioral intention (Li et al, 2014).…”

Section: Technology Acceptance Model (Tam2)mentioning

confidence: 99%

“…11; Indeed, if customers find m-payment can enhance their social image they will be willing to adopt it. Further, prior empirical analysis has concluded that image positively impacts behavioral intention to adopt m-payment technology (Li & Zhang, 2012;Yang et al, 2012;Jaradat & Al-Mashaqba, 2014 Furthermore, TAM2 incorporates three system characteristics: job relevance (JR), output quality (OUT), and result demonstrability (RES) (Venkatesh & Bala, 2008). System characteristics are the features of a system that can help individuals develop favorable (or unfavorable) perceptions regarding the usefulness of a system.…”

Section: Technology Acceptance Model (Tam2)mentioning

confidence: 99%

Investigating the Moderating Effects of Gender and Self-Efficacy in the Context of Mobile Payment Adoption: A Developing Country Perspective

Jaradat¹,

Faqih²

2014

IJBM

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The adoption rate of mobile payment technology is relatively low in the developing world, particularly in Jordan. The need to study why people in Jordan are unwilling to participate in its adoption is definitely imperative because the outcomes and conclusions of the current analysis could be thoughtfully and strategically utilized to improve and accelerate the adoption and diffusion of mobile payment in Jordan. To achieve this objective, the current study develops a theoretical research model as a framework based on modified Technology Acceptance Model 2 (TAM2). The moderating influence of gender and self-efficacy on the adoption process of mobile payment was integrated in the current model. The quantitative data was collected via a paper-based self-administered questionnaire. A valid 366 data sets (of those just above 50% are females) were used to assess the model. The model parameters were theoretically analyzed by using the WarpPLS 4.0 software. PLS has been selected on merits because it can statistically handle the complexity of the proposed model. This study has concluded that the perceptions of usefulness and ease of use, subjective norm, output quality, and result demonstrability are all important determining factors of behavioral intention towards mobile payment adoption. Further, image and output quality determinants were empirically observed to influence perceived usefulness construct and indirectly influencing behavioral intention. In the meantime, gender differences were determined to have little moderating influence on the adoption process of mobile payment. However, the self-efficacy aspect was found to have a moderating influence on some of the hypothesized relationships of this model, implying that self-efficacy is a significant decision factor to consider for adoption of mobile payment technology. Moreover, the theoretical and practical implications of the findings and recommendations for future research are presented and discussed.

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“…In this paper, it should also be noted that this paper considers neither the role of user behavior nor the moderating effect of gender, age, experience, and voluntariness of use in the conceptual model. Since the JoMoPay system is a new payment method in Jordan, it has a very low adoption rate (Alalwan et al, 2017;Qasim & Abu-Shanab, 2016;Jaradat & Al-Mashaqba, 2014;Jaradat & Faqih, 2014). Thus, the current paper will focus on investigating intention to use JoMoPay system for non-users rather than actual users.…”

Section: Background Of Utaut Modelmentioning

confidence: 99%

“…Therefore, the rates of internet and mobile phones penetration form a great foundation to use mobile payment system. However, the level of acceptance of mobile payment system in Jordan is still below expectation (Alalwan, Baabdullah, Rana, Tamilmani & Dwivedi, 2018;Gharaibeh & Arshad, 2018;Alalwan, Dwivedi & Rana, 2017;Qasim & Abu-Shanab, 2016;Alalwan, Dwivedi & Williams, 2016;Qatawneh, Aldhmour & Alfugara, 2015;Jaradat & Al-Mashaqba, 2014;Jaradat & Faqih, 2014). Although experiences from other nations showed that meagre payments are more popular on mobile phones which has not been popular in Jordan until recent years (Qasim & Abu-Shanab.…”

Section: Introductionmentioning

confidence: 99%

Factors Affecting the Acceptance of Mobile Payment Systems in Jordan: The Moderating Role of Trust

Al-Okaily

Rahman

Ali

2019

JISTM

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Nowadays, the smartphone applications play a critical role in every aspect of our life, as in the case of Jordan Mobile Payment (JoMoPay) system that can be used to save time, effort and money. Despite the immense benefits of JoMoPay system services, their acceptance by users in Jordan is very low. Moreover, the related issues of JoMoPay system has not been addressed substantially in the Jordanian context. In this respect, the research model proposed in this paper seeks to synthesize the extended Unified Theory of Acceptance and Use of Technology (UTAUT2) model variables namely; Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), Peer Influence (PI), Facilitating Conditions (FC), Hedonic Motivation (HM), Price Value (PV) and Habit (HT) as immediate predictors of intentions of users to accept JoMoPay system. In addition, to join new variables namely; Trust (TR) as the moderating effect among them.

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Understanding the adoption and usage of mobile payment services by using TAM3

Cited by 45 publications

References 52 publications

Consumer Adoption of Alipay in Malaysia: The Mediation Effect of Perceived Ease of Use and Perceived Usefulness

Consumer Adoption of Alipay in Malaysia: The Mediation Effect of Perceived Ease of Use and Perceived Usefulness

Investigating the Moderating Effects of Gender and Self-Efficacy in the Context of Mobile Payment Adoption: A Developing Country Perspective

Factors Affecting the Acceptance of Mobile Payment Systems in Jordan: The Moderating Role of Trust

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