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Understanding the Adoption of SADAD E-Payments: UTAUT Combined with Religiosity as Moderator

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  • Yasir Ali Soomro

    (Faculty of Economics and Administration, King AbdulAziz University, Jeddah, Kingdom of Saudi Arabia)

Abstract

Extant article utilizes the UTAUT Model with Islamic religiosity as a moderator to understand the adoption of SADAD payment system by Saudi banking customers. Islamic religiosity effects the behavior and choices of people. Path analysis performed on 248 respondents' data collected through questionnaires tests the conceptual hypotheses. All hypotheses except H3 was unsupported, which reveals that social influence (SI) had an insignificant relation with behavioral intention (BI). Multi-group analysis was performed on AMOS by dividing respondents into two groups with high and low Islamic religiosity values. Overall, results reveal that religiosity moderates the positive effect of BI on usage behavior (UB). The author found no effect for those with low scores on religiosity values. However, consumers with high score religiosity values have a stronger positive effect between BI and UB. Moreover, the UTAUT + IR explained 80% variance in UB. High religiosity customers find SADAD a better option.

Suggested Citation

  • Yasir Ali Soomro, 2019. "Understanding the Adoption of SADAD E-Payments: UTAUT Combined with Religiosity as Moderator," International Journal of E-Business Research (IJEBR), IGI Global, vol. 15(1), pages 55-74, January.
    • Handle: RePEc:igg:jebr00:v:15:y:2019:i:1:p:55-74
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    Cited by:

    1. Saeed Badghish & Alaa Shagagi, 2023. "Factors Influencing Consumer Complaint Intentions: Saudi Online Shopping," International Journal of Business and Management, Canadian Center of Science and Education, vol. 18(4), pages 1-69, August.
    2. Saeed Badghish & Yasir Ali Soomro, 2024. "Artificial Intelligence Adoption by SMEs to Achieve Sustainable Business Performance: Application of Technology–Organization–Environment Framework," Sustainability, MDPI, vol. 16(5), pages 1-24, February.
    3. Soomro, Yasir & Al-Sehli, Ahmed Nafe, 2020. "Determinants of Customer Churn: An Empirical Study Of Cellular Subscribers From Saudi Arabia," MPRA Paper 101398, University Library of Munich, Germany.
    4. Isaac Kofi Mensah & Guohua Zeng & Chuanyong Luo, 2020. "E-Government Services Adoption: An Extension of the Unified Model of Electronic Government Adoption," SAGE Open, , vol. 10(2), pages 21582440209, June.

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