IDEAS home Printed from https://ideas.repec.org/a/gam/jsusta/v14y2022i20p13524-d947361.html
   My bibliography  Save this article

Go Cashless! Mobile Payment Apps Acceptance in Developing Countries: The Jordanian Context Perspective

Author

Listed:
  • Dmaithan Almajali

    (Faculty of Business, Applied Science Private University, Amman 11931, Jordan)

  • Manaf Al-Okaily

    (School of Business, Jadara University, Irbid 21110, Jordan)

  • Khaleel Al-Daoud

    (Business School, Al-Ahliyya Amman University, Amman 19328, Jordan)

  • Sulaiman Weshah

    (Amman University College for Financial and Administrative Sciences, Al-Balqa Applied University, Amman 19117, Jordan)

  • Aijaz A. Shaikh

    (Jyväskylä University School of Business and Economics, University of Jyväskylä, P.O. Box 35, FI-40014 Jyväskylä, Finland)

Abstract

Despite the expanding global usage of mobile phones in money transactions, the adoption of mobile payment systems in Jordan remains slow. This study employed the technology acceptance model (TAM) to identify the factors with a potential impact on mobile payment systems acceptance. The impact of perceived privacy (PP) and the mediating function of perceived certainty (PC) on the behavioral intention (BI) of mobile payment systems among Jordanian ministries were examined. Data obtained from 270 respondents were analyzed using partial least-squares structural equation modeling (PLS-SEM). The empirical findings show a positive link between perceived usefulness (PU) and PC on the BI of mobile payment systems. The mediation analysis demonstrated that PC partially mediated the association of PP with the BI of mobile payment systems. The final section concluded the paper by presenting the key theoretical and practical ramifications, as well as the research’s limitations and future directions.

Suggested Citation

  • Dmaithan Almajali & Manaf Al-Okaily & Khaleel Al-Daoud & Sulaiman Weshah & Aijaz A. Shaikh, 2022. "Go Cashless! Mobile Payment Apps Acceptance in Developing Countries: The Jordanian Context Perspective," Sustainability, MDPI, vol. 14(20), pages 1-15, October.
    • Handle: RePEc:gam:jsusta:v:14:y:2022:i:20:p:13524-:d:947361
    as

    Download full text from publisher

    File URL: https://www.mdpi.com/2071-1050/14/20/13524/pdf
    Download Restriction: no
    File URL: https://www.mdpi.com/2071-1050/14/20/13524/
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Zhunzhun Liu & Shenglin Ben & Ruidong Zhang, 2019. "Factors affecting consumers’ mobile payment behavior: a meta-analysis," Electronic Commerce Research, Springer, vol. 19(3), pages 575-601, September.
    2. Ayman A. Alsmadi & Ahmed Shuhaiber & Loai N. Alhawamdeh & Rasha Alghazzawi & Manaf Al-Okaily, 2022. "Twenty Years of Mobile Banking Services Development and Sustainability: A Bibliometric Analysis Overview (2000–2020)," Sustainability, MDPI, vol. 14(17), pages 1-14, August.
    3. Mahmood Al-Bashayreh & Dmaithan Almajali & Ahmad Altamimi & Ra’ed Masa’deh & Manaf Al-Okaily, 2022. "An Empirical Investigation of Reasons Influencing Student Acceptance and Rejection of Mobile Learning Apps Usage," Sustainability, MDPI, vol. 14(7), pages 1-14, April.
    4. Türker, Cansu & Altay, Burak Can & Okumuş, Abdullah, 2022. "Understanding user acceptance of QR code mobile payment systems in Turkey: An extended TAM," Technological Forecasting and Social Change, Elsevier, vol. 184(C).
    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. L. Vimal Raj & S. Amilan & K. Aparna & Karthick Swaminathan, 2024. "Factors influencing the adoption of cashless transactions during COVID-19: an extension of enhanced UTAUT with pandemic precautionary measures," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(2), pages 488-507, June.
    2. Yuqi Zhao & Young-Hwan Pan, 2023. "A Study of the Impact of Cultural Characteristics on Consumers’ Behavioral Intention for Mobile Payments: A Comparison between China and Korea," Sustainability, MDPI, vol. 15(8), pages 1-22, April.
    3. Qingyu Zhang & Salman Khan & Mei Cao & Safeer Ullah Khan, 2023. "Factors Determining Consumer Acceptance of NFC Mobile Payment: An Extended Mobile Technology Acceptance Model," Sustainability, MDPI, vol. 15(4), pages 1-18, February.

    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. Madher E. Hamdallah & Salem Al-N’eimat & Anan F. Srouji & Manaf Al-Okaily & Khaldoon Albitar, 2022. "The Effect of Apparent and Intellectual Sustainability Independence on the Credibility Gap of the Accounting Information," Sustainability, MDPI, vol. 14(21), pages 1-22, November.
    2. Atandile Ngubelanga & Rodney Duffett, 2021. "Modeling Mobile Commerce Applications’ Antecedents of Customer Satisfaction among Millennials: An Extended TAM Perspective," Sustainability, MDPI, vol. 13(11), pages 1-29, May.
    3. Mohd Shafie Rosli & Nor Shela Saleh & Azlah Md. Ali & Suaibah Abu Bakar & Lokman Mohd Tahir, 2022. "A Systematic Review of the Technology Acceptance Model for the Sustainability of Higher Education during the COVID-19 Pandemic and Identified Research Gaps," Sustainability, MDPI, vol. 14(18), pages 1-25, September.
    4. Faten Aisyah Ahmad Ramli & Muhammad Iskandar Hamzah & Siti Norida Wahab & Rishabh Shekhar, 2023. "Modeling the Brand Equity and Usage Intention of QR-Code E-Wallets," FinTech, MDPI, vol. 2(2), pages 1-16, March.
    5. An, Siyang & Cheung, Chi Fai & Willoughby, Kelvin W., 2024. "A gamification approach for enhancing older adults' technology adoption and knowledge transfer: A case study in mobile payments technology," Technological Forecasting and Social Change, Elsevier, vol. 205(C).
    6. Agnieszka Huterska & Anna Iwona Piotrowska & Joanna Szalacha-Jarmużek, 2021. "Fear of the COVID-19 Pandemic and Social Distancing as Factors Determining the Change in Consumer Payment Behavior at Retail and Service Outlets," Energies, MDPI, vol. 14(14), pages 1-18, July.
    7. Dipankar Das & Vivek Sharadadevi Jadhav, 2021. "Essay on Non-linear Pricing in E-commerce," Working Papers 2021-209, Madras School of Economics,Chennai,India.
    8. Chia-chi Sun & Shih-chi Chang, 2021. "An Examination of the Catalyst for Tapping into Mobile Financial Services in the Post-COVID-19 World," Mathematics, MDPI, vol. 9(16), pages 1-19, August.
    9. Yuqi Zhao & Young-Hwan Pan, 2023. "A Study of the Impact of Cultural Characteristics on Consumers’ Behavioral Intention for Mobile Payments: A Comparison between China and Korea," Sustainability, MDPI, vol. 15(8), pages 1-22, April.
    10. Irma Agárdi & Mónika Anetta Alt, 2024. "Do digital natives use mobile payment differently than digital immigrants? A comparative study between generation X and Z," Electronic Commerce Research, Springer, vol. 24(3), pages 1463-1490, September.
    11. Ayatulloh Michael Musyaffi & Razana Juhaida Johari & Christian Wiradendi Wolor & Amer Azlan Abdul Jamal & Anaya Zahra Santika & Muhammad Arifsyah Arifi, 2023. "The Innovativeness and Value of Quick Response Code Payment for MSMEs: The Influence of Security-Related Factor," Economic Studies journal, Bulgarian Academy of Sciences - Economic Research Institute, issue 6, pages 89-107.
    12. Yazn Alshamaila & Ferial Mohammad Abu Awwad & Ra’ed Masa’deh & Mahmoud E. Farfoura, 2023. "Complexities, Challenges, and Opportunities of Mobile Learning: A Case Study at the University of Jordan," Sustainability, MDPI, vol. 15(12), pages 1-24, June.
    13. Hamzah, Muhammad Iskandar & Ramli, Faten Aisyah Ahmad & Shaw, Norman, 2023. "The moderating influence of brand image on consumers' adoption of QR-code e-wallets," Journal of Retailing and Consumer Services, Elsevier, vol. 73(C).
    14. Dhananjay Bapat & Devika Vashisht, 2024. "Experience in financial services: a bibliometric analysis and thematic content analysis," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 904-921, September.
    15. Aloys Prinz, 2019. "The microeconomics of mobile payments," Netnomics, Springer, vol. 20(2), pages 129-151, December.
    16. Olfa Bouhlel & Karim Garrouch & Mohamed Nabil Mzoughi, 2023. "Assessing the Success of Mobile Banking in Saudi Arabia: Re-Specification and Validation of the DeLone and McLean Model," International Journal of E-Services and Mobile Applications (IJESMA), IGI Global, vol. 15(1), pages 1-24, January.
    17. Panetta, Ida Claudia & Leo, Sabrina & Delle Foglie, Andrea, 2023. "The development of digital payments – Past, present, and future – From the literature," Research in International Business and Finance, Elsevier, vol. 64(C).
    18. Na Li & Ping Jiang & Cuihong Li & Wei Wang, 2022. "College Teaching Innovation from the Perspective of Sustainable Development: The Construction and Twelve-Year Practice of the 2P3E4R System," Sustainability, MDPI, vol. 14(12), pages 1-16, June.
    19. Bommer, William H. & Milevoj, Emil & Rana, Shailesh, 2023. "The intention to use cryptocurrency: A meta-analysis of what we know," Emerging Markets Review, Elsevier, vol. 55(C).
    20. Rakesh Kumar & Rubee Singh & Kishore Kumar & Shahbaz Khan & Vincenzo Corvello, 2023. "How Does Perceived Risk and Trust Affect Mobile Banking Adoption? Empirical Evidence from India," Sustainability, MDPI, vol. 15(5), pages 1-21, February.

    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:jsusta:v:14:y:2022:i:20:p:13524-:d:947361. 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.