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Developing a general extended UTAUT model for M-payment adoption

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  • Al-Saedi, Karrar
  • Al-Emran, Mostafa
  • Ramayah, T.
  • Abusham, Eimad

Abstract

To determine the most frequent factors that extended the Unified Theory of Acceptance and Use of Technology (UTAUT) in the context of Mobile payment (M-payment) adoption, a quantitative meta-analysis approach of 25 studies was undertaken. The results indicated that perceived risk, perceived trust, perceived cost, and self-efficacy were the most frequent factors that achieved significant results in the surveyed studies. Accordingly, this study is an attempt to extend the UTAUT model with these factors; proposing a general extended UTAUT model for M-payment adoption. The proposed model is validated using the partial least squares-structural equation modeling (PLS-SEM) approach. The data were collected from a total of 436 M-payment users in Oman. The results indicated that the best predictor of M-payment users’ intention to use the M-payment system is performance expectancy, followed by social influence, effort expectancy, perceived trust, perceived cost, and self-efficacy, respectively. Nonetheless, perceived risk was found to have an insignificant negative impact on the behavioral intention to use M-payment systems. The conclusions derived from this study enhance the understanding of the factors determining the adoption of M-payment systems in Oman.

Suggested Citation

  • Al-Saedi, Karrar & Al-Emran, Mostafa & Ramayah, T. & Abusham, Eimad, 2020. "Developing a general extended UTAUT model for M-payment adoption," Technology in Society, Elsevier, vol. 62(C).
    • Handle: RePEc:eee:teinso:v:62:y:2020:i:c:s0160791x19304555
    DOI: 10.1016/j.techsoc.2020.101293
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