Author:
Al-Okaily Manaf,Alalwan Ali Abdallah,Al-Fraihat Dimah,Alkhwaldi Abeer F.,Rehman Shafique Ur,Al-Okaily Aws
Abstract
Purpose
The increase in mobile telephone penetration has offered new opportunities for technology to improve payment operations all over the world. Little research has examined the issues related to the decision-making (DM) of mobile payment systems usage in the Jordanian context. The purpose of this study is to examine the factors that may have an influence on the adoption of mobile payment systems. This study has empirically tested the expanded unified theory of acceptance and use of technology (UTAUT2) together with awareness (AW), trust (TR), security (SE) and privacy (PR) as independent variables to explain the mobile payment system adoption in Jordan.
Design/methodology/approach
In total, 270 employees participated in a field survey questionnaire from the public sector in Amman city, the capital city of Jordan. Data were analyzed through a quantitative approach of partial least squares–structural equation modeling.
Findings
The results mainly showed that the determinants of DM to use mobile payment system are price value, social influence, performance expectancy, AW and TR. All of these determinants explained 60.2% of the variation of DM. In total, 72.2% has been explained as the TR to use m-payment system by SE and PR. Furthermore, the results revealed that TR mediates the association between SE as well as PR and the DM to use mobile payment system.
Originality/value
Interestingly, these new variables were found to be important and contribute to the UTAUT2 model. Consequently, the decision-makers in the Central Bank of Jordan should consider all these factors when re-upgrading a Jordan Mobile Payment system in the near future.
Subject
Library and Information Sciences
Reference87 articles.
1. Discriminant validity assessment: use of Fornell and Larcker criterion versus HTMT criterion;Journal of Physics: Conference Series,2017
2. Twitter mining for ontology-based domain discovery incorporating machine learning;Journal of Knowledge Management,2018
3. Short-term renewable energy consumption and generation forecasting: a case study of Western Australia;Heliyon,2022
4. Al Hanandeh, A. and Bahou, M. (2016), “Interview with the Jordanian official television - good morning program – encourage citizens to make electronic payment [video file]”, available at: www.youtube.com/watch?v=aX9e0ac9NOc&t=939s
5. Novel extension of the UTAUT model to understand continued usage intention of learning management systems: the role of learning tradition;Education and Information Technologies,2021
Cited by
40 articles.
订阅此论文施引文献
订阅此论文施引文献,注册后可以免费订阅5篇论文的施引文献,订阅后可以查看论文全部施引文献