IDEAS home Printed from https://ideas.repec.org/a/gam/jecomi/v10y2022i10p259-d945771.html
   My bibliography  Save this article

Intention to Use E-Payments from the Perspective of the Unified Theory of Acceptance and Use of Technology (UTAUT): Evidence from Yemen

Author

Listed:
  • Fahd Alduais

    (Department of Accounting, Philadelphia University, Jarash Road, 20 KM, Amman 19392, Jordan)

  • Mohammad O. Al-Smadi

    (Department of Finance and Banking Sciences, Philadelphia University, Jarash Road, 20 KM, Amman 19392, Jordan)

Abstract

This study explores the challenges facing the current e-payment systems and investigates the main factors that support using the e-payment system. This study used a cross-sectional approach. An online survey was conducted on Yemeni consumers as part of the collection of data. The data from 486 questionnaires were analyzed using smartPLS4 and Jamovi software for structural model analysis and statistical analysis. According to the PLS-SEM results, the structural model shows that R 2 is 0.757, which explains the variances in behavioral intention via all the constructs. Statistically, the intention to use e-payment systems is significantly and positively influenced by performance and effort expectancies and social influence. In contrast, facilitation conditions are significantly and negatively correlated with behavioral intention. This is attributed to consumers’ view of the infrastructure of Internet services, which does not contribute to the behavioral intention and acceptance of using electronic payment in Yemen. Contrary to expectations, age does not moderate the relationship between performance expectancy, social influence, and intention to use e-payment systems; hence, the related hypothesis was not supported. This study provides valuable suggestions for policymakers, designers, developers, and researchers, enabling them to better understand the critical aspects of using the electronic payment system. This study developed a model for predicting the likelihood of acceptance of electronic payments in a country that has not given adequate attention to this issue. An application and evaluation of the UTAUT model in Yemen are presented in this study.

Suggested Citation

  • Fahd Alduais & Mohammad O. Al-Smadi, 2022. "Intention to Use E-Payments from the Perspective of the Unified Theory of Acceptance and Use of Technology (UTAUT): Evidence from Yemen," Economies, MDPI, vol. 10(10), pages 1-15, October.
    • Handle: RePEc:gam:jecomi:v:10:y:2022:i:10:p:259-:d:945771
    as

    Download full text from publisher

    File URL: https://www.mdpi.com/2227-7099/10/10/259/pdf
    Download Restriction: no
    File URL: https://www.mdpi.com/2227-7099/10/10/259/
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Martins, Carolina & Oliveira, Tiago & Popovič, Aleš, 2014. "Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application," International Journal of Information Management, Elsevier, vol. 34(1), pages 1-13.
    2. Nicole Koenig-Lewis & Morgan Marquet & Adrian Palmer & Anita Lifen Zhao, 2015. "Enjoyment and social influence: predicting mobile payment adoption," The Service Industries Journal, Taylor & Francis Journals, vol. 35(10), pages 537-554, July.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Ecenur Demir & Seren Özsoy & Metin Saygılı, 2024. "The technological shift towards embedded payments: an examination of young consumers’ intention," Future Business Journal, Springer, vol. 10(1), pages 1-16, December.
    2. Nattakorn Pinyanitikorn & Walailak Atthirawong & Wirachchaya Chanpuypetch, 2024. "Examining the Intention to Adopt an Online Platform for Freight Forwarding Services in Thailand: A Modified Unified Theory for Acceptance and Use of Technology (UTAUT) Model Approach," Logistics, MDPI, vol. 8(3), pages 1-23, July.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Kajol, K. & Singh, Ranjit & Paul, Justin, 2022. "Adoption of digital financial transactions: A review of literature and future research agenda," Technological Forecasting and Social Change, Elsevier, vol. 184(C).
    2. Tamilmani, Kuttimani & Rana, Nripendra P. & Prakasam, Naveena & Dwivedi, Yogesh K., 2019. "The battle of Brain vs. Heart: A literature review and meta-analysis of “hedonic motivation” use in UTAUT2," International Journal of Information Management, Elsevier, vol. 46(C), pages 222-235.
    3. Ijeoma Mercy Ogba-Amaugo, 2024. "The Use of Technology in Human Resources Management: Opportunities and Challenges for Organizations," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 8(4), pages 1164-1181, April.
    4. Park, JungKun & Ahn, Jiseon & Thavisay, Toulany & Ren, Tianbao, 2019. "Examining the role of anxiety and social influence in multi-benefits of mobile payment service," Journal of Retailing and Consumer Services, Elsevier, vol. 47(C), pages 140-149.
    5. Nathanael Johnson & Torsten Reimer, 2023. "The Adoption and Use of Smart Assistants in Residential Homes: The Matching Hypothesis," Sustainability, MDPI, vol. 15(12), pages 1-16, June.
    6. Bao-Ngoc Tong & Cheng-Ping Cheng & Lien-Wen Liang & Yi-Jun Liu, 2023. "Using Network DEA to Explore the Effect of Mobile Payment on Taiwanese Bank Efficiency," Sustainability, MDPI, vol. 15(8), pages 1-18, April.
    7. Abhipsa Pal & Tejaswini Herath & Rahul De’ & H. Raghav Rao, 2021. "Is the Convenience Worth the Risk? An Investigation of Mobile Payment Usage," Information Systems Frontiers, Springer, vol. 23(4), pages 941-961, August.
    8. Meena, Rahul & Sarabhai, Samar, 2023. "Extrinsic and intrinsic motivators for usage continuance of hedonic mobile apps," Journal of Retailing and Consumer Services, Elsevier, vol. 71(C).
    9. Sufian Radwan Almanaseer & Zaher Abdel Fattah Al-Slehat & Bader Mustafa Al Sharif & Sulieman Daood Aloshaibat & Yazan Emnawer Al-Haraisa & Mohammad Abdlwhab Almahasneh, 2024. "Financial Literacy and Mobile Banking Usage: The Moderating Role of Demographic Characteristics," International Review of Management and Marketing, Econjournals, vol. 14(6), pages 424-432, October.
    10. Baillette, Paméla & Barlette, Yves & Leclercq-Vandelannoitte, Aurélie, 2018. "Bring your own device in organizations: Extending the reversed IT adoption logic to security paradoxes for CEOs and end users," International Journal of Information Management, Elsevier, vol. 43(C), pages 76-84.
    11. Bhukya, Ramulu & Paul, Justin, 2023. "Social influence research in consumer behavior: What we learned and what we need to learn? – A hybrid systematic literature review," Journal of Business Research, Elsevier, vol. 162(C).
    12. Akansha Mer & Amarpreet Singh Virdi, 2023. "Modeling Millennials’ Adoption Intentions of E-banking: Extending UTAUT with Perceived Risk and Trust," FIIB Business Review, , vol. 12(4), pages 425-438, December.
    13. Queiroz, Maciel M. & Fosso Wamba, Samuel, 2019. "Blockchain adoption challenges in supply chain: An empirical investigation of the main drivers in India and the USA," International Journal of Information Management, Elsevier, vol. 46(C), pages 70-82.
    14. Guych Nuryyev & Yu-Ping Wang & Jennet Achyldurdyyeva & Bih-Shiaw Jaw & Yi-Shien Yeh & Hsien-Tang Lin & Li-Fan Wu, 2020. "Blockchain Technology Adoption Behavior and Sustainability of the Business in Tourism and Hospitality SMEs: An Empirical Study," Sustainability, MDPI, vol. 12(3), pages 1-21, February.
    15. Alrawad, Mahmaod & Lutfi, Abdalwali & Alyatama, Sundus & Al Khattab, Adel & Alsoboa, Sliman S. & Almaiah, Mohammed Amin & Ramadan, Mujtaba Hashim & Arafa, Hussin Mostafa & Ahmed, Nazar Ali & Alsyouf, , 2023. "Assessing customers perception of online shopping risks: A structural equation modeling–based multigroup analysis," Journal of Retailing and Consumer Services, Elsevier, vol. 71(C).
    16. Ivonne Angelica Castiblanco Jimenez & Laura Cristina Cepeda García & Maria Grazia Violante & Federica Marcolin & Enrico Vezzetti, 2020. "Commonly Used External TAM Variables in e-Learning, Agriculture and Virtual Reality Applications," Future Internet, MDPI, vol. 13(1), pages 1-21, December.
    17. Wasef Mater & Nasim Matar & Omar A. Alismaiel & Moteeb A. Al Moteri & Ibrahim Youssef Al Youssef & Waleed Mugahed Al-Rahmi, 2021. "Factors influencing the intention behind mobile wallet adoption: perceptions of university students," Entrepreneurship and Sustainability Issues, VsI Entrepreneurship and Sustainability Center, vol. 9(1), pages 447-461, September.
    18. Salvador Angosto & Jerónimo García-Fernández & Moisés Grimaldi-Puyana, 2023. "A systematic review of intention to use fitness apps (2020–2023)," Palgrave Communications, Palgrave Macmillan, vol. 10(1), pages 1-11, December.
    19. Hossain, Akram & Quaresma, Rui & Rahman, Habibur, 2019. "Investigating factors influencing the physicians’ adoption of electronic health record (EHR) in healthcare system of Bangladesh: An empirical study," International Journal of Information Management, Elsevier, vol. 44(C), pages 76-87.
    20. Sohn, Stefanie, 2024. "Consumer perceived risk of using autonomous retail technology," Journal of Business Research, Elsevier, vol. 171(C).

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:gam:jecomi:v:10:y:2022:i:10:p:259-:d:945771. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: MDPI Indexing Manager (email available below). General contact details of provider: https://www.mdpi.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.