Preprint Article Version 1 Preserved in Portico This version is not peer-reviewed

Provoking Mobile Payment Actual Usage Behaviour in Middle East

Version 1 : Received: 18 September 2021 / Approved: 20 September 2021 / Online: 20 September 2021 (11:41:24 CEST)

How to cite: JosephNg, P.; Eaw, H.; Musallam, A. Provoking Mobile Payment Actual Usage Behaviour in Middle East. Preprints 2021, 2021090328 (doi: 10.20944/preprints202109.0328.v1). JosephNg, P.; Eaw, H.; Musallam, A. Provoking Mobile Payment Actual Usage Behaviour in Middle East. Preprints 2021, 2021090328 (doi: 10.20944/preprints202109.0328.v1).

Abstract

Financial Payment has evolved into mobile payment for easy access and convenience. Despite the benefits of mobile payment, the adoption rate is unsatisfactory worldwide. Therefore, understanding the customer's adoption intention factors is essential for both researchers and practitioners. This study examines mobile payment intention and actual use by adapting the integrated framework, which combines the Mobile Technology Acceptance Model and the Theory of Planned Behaviour with additional new constructs found to be related. The new model consists of 12 variables moderated by the individual's experience and is examined via a structured PLS equation mixed-mode methodology. Knowing mobile payment influence will shape the industry strategic decision and socially contribute to transforming society into a cashless society. This paper provides an opportunity to prove the relationship between technology variables and human behaviour concerning mobile payment adoption. In contrast, this study novelty adopted an integrated model that combines MTAM with the TPB.

Keywords

Mobile Payment; Payments Adoption; Mobil Technology Acceptance Model; Revised Mobile Payment Acceptance Model; Digitization of financial services; Theory of planned behavior

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