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An integrated framework for mobile payment in Pakistan: drivers, barriers, and facilitators of usage behavior

Author

Listed:
  • Muhammad Ali

    (UCSI University
    IQRA University)

  • Syed Ali Raza

    (IQRA University)

  • Faiza Hakim

    (IQRA University)

  • Chin-Hong Puah

    (Universiti Malaysia Sarawak)

  • Lee Yen Chaw

    (UCSI University)

Abstract

The research aims to investigate the impact of theoretical drivers, facilitators, and barriers on the intention to adopt m-payment. It further examines the impact of the intention to adopt m-payment on usage behavior. Partial least squares structural equation modeling was used based on a suitable sample of 408 participants in Karachi, Pakistan. The findings contribute to a greater understanding of the factors that influence customer decision-making and, as a result, the adoption intention of mobile payment in Pakistan. Instead of relying on a single theory, the performed study presents an inclusive strategy for researchers by combining three recognized theories connected to technology acceptance. This research is conducted on a limited number of participants in Karachi, Pakistan. The survey should be conducted also be conducted internationally to obtain more comprehensive results; it could also be beneficial to determine customer preferences toward mobile payment systems in other nations. Limited literature was found that argued the intention to adopt m-payment and its impact on user behavior in the Pakistani context. Moreover, no studies were found that reflected and discussed the impact of barriers, theoretical drivers, and facilitators on m-payment.

Suggested Citation

  • Muhammad Ali & Syed Ali Raza & Faiza Hakim & Chin-Hong Puah & Lee Yen Chaw, 2024. "An integrated framework for mobile payment in Pakistan: drivers, barriers, and facilitators of usage behavior," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(2), pages 257-275, June.
    • Handle: RePEc:pal:jofsma:v:29:y:2024:i:2:d:10.1057_s41264-022-00199-0
    DOI: 10.1057/s41264-022-00199-0
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    References listed on IDEAS

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