IDEAS home Printed from https://ideas.repec.org/a/pal/jofsma/v29y2024i4d10.1057_s41264-024-00286-4.html
   My bibliography  Save this article

Do users' pro-environmental personal norms hold significance in electronic payment adoption context?

Author

Listed:
  • Hassana Hilale

    (Mohammed V University of Rabat)

  • Abdellatif Chakor

    (Mohammed V University of Rabat)

Abstract

The adoption of “Electronic Payment Systems (EPS)” presents an effective alternative for mitigating natural ecosystem degradation and serves as a robust catalyst for fostering green innovation and sustainability efforts. From this perspective, this article aims to investigate the drivers that impact EPS adoption in Morocco. This research also introduces an innovative theoretical framework combining the extended “Unified Theory of Acceptance and Use of Technology (UTAUT)” model by considering three additional constructs namely perceived trust (TR), perceived risk (PR), and structural assurance (SA), along with the “Value-Belief-Norm (VBN)” theory. A sample of 484 users was surveyed, and the PLS-SEM technique was employed to analyze the relationships within the research model. The results indicate that pro-environmental personal norms (PPN) significantly affected both behavior intention to use EPS (BI) and actual use (AU). Likewise, the VBN theory's sequential chain in activating PPN was confirmed as well as the direct impact of social influence (SI) and the new environmental paradigm (NEP) on PPN. Additionally, findings highlighted the significant effect of performance expectancy (PE), TR, SA, PR, SI, and effort expectancy (EE) on BI. However, facilitating conditions (FC) were found to be statistically insignificant toward BI. Similarly, awareness of adverse consequences (AC) did not significantly affect PPN. These findings have deepened our understanding of EPS adoption dynamics, providing valuable insights to policymakers and Fintech firms for more targeted green marketing campaigns, and paving the way for future research.

Suggested Citation

  • Hassana Hilale & Abdellatif Chakor, 2024. "Do users' pro-environmental personal norms hold significance in electronic payment adoption context?," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(4), pages 1589-1608, December.
    • Handle: RePEc:pal:jofsma:v:29:y:2024:i:4:d:10.1057_s41264-024-00286-4
    DOI: 10.1057/s41264-024-00286-4
    as

    Download full text from publisher

    File URL: http://link.springer.com/10.1057/s41264-024-00286-4
    File Function: Abstract
    Download Restriction: Access to the full text of the articles in this series is restricted.
    File URL: https://libkey.io/10.1057/s41264-024-00286-4?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Ezlika M. Ghazali & Bang Nguyen & Dilip S. Mutum & Su-Fei Yap, 2019. "Pro-Environmental Behaviours and Value-Belief-Norm Theory: Assessing Unobserved Heterogeneity of Two Ethnic Groups," Sustainability, MDPI, vol. 11(12), pages 1-28, June.
    2. Chakraborty, Debarun & Siddiqui, Aaliyah & Siddiqui, Mujahid & Rana, Nripendra P. & Dash, Ganesh, 2022. "Mobile payment apps filling value gaps: Integrating consumption values with initial trust and customer involvement," Journal of Retailing and Consumer Services, Elsevier, vol. 66(C).
    3. Wenxiang Zhang & Saeed Siyal & Samina Riaz & Riaz Ahmad & Mohd Faiz Hilmi & Zhi Li, 2023. "Data Security, Customer Trust and Intention for Adoption of Fintech Services: An Empirical Analysis From Commercial Bank Users in Pakistan," SAGE Open, , vol. 13(3), pages 21582440231, July.
    4. Rabindra Jena, 2023. "Factors Impacting Senior Citizens’ Adoption of E-Banking Post COVID-19 Pandemic: An Empirical Study from India," JRFM, MDPI, vol. 16(9), pages 1-20, August.
    5. Mohamed Bouteraa & Brahim Chekima & Nelson Lajuni & Ayesha Anwar, 2023. "Understanding Consumers’ Barriers to Using FinTech Services in the United Arab Emirates: Mixed-Methods Research Approach," Sustainability, MDPI, vol. 15(4), pages 1-22, February.
    6. Kamble, Sachin S. & Gunasekaran, Angappa & Sharma, Rohit, 2020. "Modeling the blockchain enabled traceability in agriculture supply chain," International Journal of Information Management, Elsevier, vol. 52(C).
    7. Nenad Tomić & Zoran Kalinić & Violeta Todorović, 2023. "Using the UTAUT model to analyze user intention to accept electronic payment systems in Serbia," Portuguese Economic Journal, Springer;Instituto Superior de Economia e Gestao, vol. 22(2), pages 251-270, May.
    8. Han, Heesup, 2015. "Travelers' pro-environmental behavior in a green lodging context: Converging value-belief-norm theory and the theory of planned behavior," Tourism Management, Elsevier, vol. 47(C), pages 164-177.
    9. Murat Okumah & Julia Martin-Ortega & Paula Novo & Pippa J. Chapman, 2020. "Revisiting the Determinants of Pro-Environmental Behaviour to Inform Land Management Policy: A Meta-Analytic Structural Equation Model Application," Land, MDPI, vol. 9(5), pages 1-33, April.
    10. Giacomo Migliore & Ralf Wagner & Felipe Schneider Cechella & Francisco Liébana-Cabanillas, 2022. "Antecedents to the Adoption of Mobile Payment in China and Italy: an Integration of UTAUT2 and Innovation Resistance Theory," Information Systems Frontiers, Springer, vol. 24(6), pages 2099-2122, December.
    11. Frank Bivar Franque & Tiago Oliveira & Carlos Tam, 2023. "Continuance Intention of Mobile Payment: TTF Model with Trust in an African Context," Information Systems Frontiers, Springer, vol. 25(2), pages 775-793, April.
    12. Thomas Puschmann & Christian Hugo Hoffmann & Valentyn Khmarskyi, 2020. "How Green FinTech Can Alleviate the Impact of Climate Change—The Case of Switzerland," Sustainability, MDPI, vol. 12(24), pages 1-30, December.
    13. Singh, Nidhi & Sinha, Neena & Liébana-Cabanillas, Francisco J., 2020. "Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence," International Journal of Information Management, Elsevier, vol. 50(C), pages 191-205.
    14. D. Harrison McKnight & Vivek Choudhury & Charles Kacmar, 2002. "Developing and Validating Trust Measures for e-Commerce: An Integrative Typology," Information Systems Research, INFORMS, vol. 13(3), pages 334-359, September.
    15. Azman Ong, Mohd Hanafi & Yusri, Muhammad Yassar & Ibrahim, Nur Syafikah, 2023. "Use and behavioural intention using digital payment systems among rural residents: Extending the UTAUT-2 model," Technology in Society, Elsevier, vol. 74(C).
    16. Viswanath Venkatesh & Fred D. Davis, 2000. "A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies," Management Science, INFORMS, vol. 46(2), pages 186-204, February.
    17. Javier Sada Bittini & Salvador Cruz Rambaud & Joaquín López Pascual & Roberto Moro-Visconti, 2022. "Business Models and Sustainability Plans in the FinTech, InsurTech, and PropTech Industry: Evidence from Spain," Sustainability, MDPI, vol. 14(19), pages 1-21, September.
    18. Xianwei Liu & Yang Zou & Jianping Wu, 2018. "Factors Influencing Public-Sphere Pro-Environmental Behavior among Mongolian College Students: A Test of Value–Belief–Norm Theory," Sustainability, MDPI, vol. 10(5), pages 1-19, May.
    Full references (including those not matched with items on IDEAS)

    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. Farzana Sharmin & Mohammad Tipu Sultan & Alina Badulescu & Dorin Paul Bac & Benqian Li, 2020. "Millennial Tourists’ Environmentally Sustainable Behavior Towards a Natural Protected Area: An Integrative Framework," Sustainability, MDPI, vol. 12(20), pages 1-24, October.
    2. Zarco, Carmen & Giráldez-Cru, Jesús & Cordón, Oscar & Liébana-Cabanillas, Francisco, 2024. "A comprehensive view of biometric payment in retailing: A complete study from user to expert," Journal of Retailing and Consumer Services, Elsevier, vol. 79(C).
    3. 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).
    4. Mohamed Bouteraa & Brahim Chekima & Nelson Lajuni & Ayesha Anwar, 2023. "Understanding Consumers’ Barriers to Using FinTech Services in the United Arab Emirates: Mixed-Methods Research Approach," Sustainability, MDPI, vol. 15(4), pages 1-22, February.
    5. Zhihui Wang & Liangzhen Nie & Eila Jeronen & Lihua Xu & Meiai Chen, 2023. "Understanding the Environmentally Sustainable Behavior of Chinese University Students as Tourists: An Integrative Framework," IJERPH, MDPI, vol. 20(4), pages 1-17, February.
    6. 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).
    7. Jorge Andrés-Sánchez & Jaume Gené-Albesa, 2024. "Not with the bot! The relevance of trust to explain the acceptance of chatbots by insurance customers," Palgrave Communications, Palgrave Macmillan, vol. 11(1), pages 1-12, December.
    8. Zhao, Haifeng & Khaliq, Nosherwan, 2024. "In quest of perceived risk determinants affecting intention to use fintech: Moderating effects of situational factors," Technological Forecasting and Social Change, Elsevier, vol. 207(C).
    9. Feiyu Chen & Hong Chen & Jiahui Yang & Ruyin Long & Qianwen Li, 2018. "Impact of Information Intervention on the Recycling Behavior of Individuals with Different Value Orientations—An Experimental Study on Express Delivery Packaging Waste," Sustainability, MDPI, vol. 10(10), pages 1-20, October.
    10. Chandan Kumar Behera & Ritika Dadra, 2024. "Understanding young consumers’ attitude formation for new-age fintech credit products: an SOR framework perspective," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 964-978, September.
    11. repec:zbw:bofrdp:2006_032 is not listed on IDEAS
    12. Younès Boughzala & Inès Bouzid & Imed Boughzala, 2012. "Les déterminants de l'adoption de l'e-achat public en France : une étude qualitative auprès des praticiens," Post-Print hal-02408949, HAL.
    13. Lee, Changju & Bae, Bumjoon & Lee, Yu Lim & Pak, Tae-Young, 2023. "Societal acceptance of urban air mobility based on the technology adoption framework," Technological Forecasting and Social Change, Elsevier, vol. 196(C).
    14. Deli Yuan & Muhammad Khalilur Rahman & Md. Abu Issa Gazi & Md. Atikur Rahaman & Mohammad Mainul Hossain & Shaharin Akter, 2021. "Analyzing of User Attitudes Toward Intention to Use Social Media for Learning," SAGE Open, , vol. 11(4), pages 21582440211, November.
    15. Yadgar Taha M. Hamakhan, 2020. "The effect of individual factors on user behaviour and the moderating role of trust: an empirical investigation of consumers’ acceptance of electronic banking in the Kurdistan Region of Iraq," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 6(1), pages 1-29, December.
    16. El Barachi, May & Salim, Taghreed Abu & Nyadzayo, Munyaradzi W. & Mathew, Sujith & Badewi, Amgad & Amankwah-Amoah, Joseph, 2022. "The relationship between citizen readiness and the intention to continuously use smart city services: Mediating effects of satisfaction and discomfort," Technology in Society, Elsevier, vol. 71(C).
    17. Nasser Hamidi & Tahmineh Torabi Rad & Alireza Jahany, 2012. "Evaluation Of Factors Influencing Tendency Towards E- Banking In Bank Customers," Far East Journal of Marketing and Management, Far East Research Centre, vol. 2(3), pages 25-42, August.
    18. Vimala Balakrishnan & Meesha Lini Eesan, 2024. "Enablers and disablers for contactless payment acceptance among Malaysian adults," Palgrave Communications, Palgrave Macmillan, vol. 11(1), pages 1-12, December.
    19. Seif Obeid Al-Shbiel & Muhannad Akram Ahmad, 2016. "A Theoretical Discussion of Electronic Banking in Jordan by Integrating Technology Acceptance Model and Theory of Planned Behavior," International Journal of Academic Research in Accounting, Finance and Management Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Accounting, Finance and Management Sciences, vol. 6(3), pages 272-284, July.
    20. Dan J. Kim & Donald L. Ferrin & H. Raghav Rao, 2009. "Trust and Satisfaction, Two Stepping Stones for Successful E-Commerce Relationships: A Longitudinal Exploration," Information Systems Research, INFORMS, vol. 20(2), pages 237-257, June.
    21. Kim, Juran & Lee, Ki Hoon, 2019. "Influence of integration on interactivity in social media luxury brand communities," Journal of Business Research, Elsevier, vol. 99(C), pages 422-429.

    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:pal:jofsma:v:29:y:2024:i:4:d:10.1057_s41264-024-00286-4. 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: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.palgrave.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.