Understanding the adoption and usage of mobile payment services by using TAM3

Mohammed-Issa Riad Mousa Jaradat · Abedalellah Mohammed Al Mashaqba

74 citations0/0 files storedInternational Journal of Business Information Systems

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Technology Adoption and User Behaviour Consumer Behavior and Marketing Influence Health, Technology, Consumer Behavior

Abstract

This study aims at introducing a modified Technology Acceptance Model 3 (TAM3) to investigate key factors that affect individuals’ intention to adopt and use mobile payment (M-payment) in Jordan. It also helps merchandisers avoid spending thousands or even millions of dollars that, on investments, may have minimal and modest effect on whether or not the individuals tend actually to adopt and to use. To reach such ends, a questionnaire was distributed to collect data from 475 undergraduate university students by using a proportional stratified random sample, and analysed by using a structural equation modelling (SEM). Results show that user’s adoption and use of M-payment services can be anticipated from users’ behavioural intentions, which are significantly affected by the following: perceived usefulness, perceived ease of use, subjective norm, image, output quality, self-efficacy, perceptions of external control, and playfulness. This study shows that there is a promising and bright future for M-payment services in Jordan as more than 62% of respondents said that they are willing to merchandise by using their mobile phones.

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References

1981Evaluating Structural Equation Models with Unobservable Variables and Measurement Error 1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2003User Acceptance of Information Technology: Toward A Unified View1 1975Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research 1980Understanding Attitudes and Predicting Social Behavior 2000A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies 1991Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation 2008Technology Acceptance Model 3 and a Research Agenda on Interventions

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