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Determinants of Customer Intention to Adopt Mobile Wallet Technology |
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PP: 1331-1344 |
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doi:10.18576/amis/180614
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Author(s) |
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Badrea Al Oraini,
Iyad A.A Khanfar,
Khaleel Al-Daoud,
Suleiman Ibrahim Mohammad,
Asokan Vasudevan,
Zhou Fei,
Majed Kamel Ali Al-Azzam,
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Abstract |
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| The primary goal of this paper is to find out what variables in in Saudi Arabia affect people’s intentions to utilize m-wallet systems. To account for the characteristics of mobile payment services, a study model was created. Different ideas in the area of technological acceptability were included into this model. Data acquired from 438 users using an online survey questionnaire was used to undertake Structural Equation Modeling (SEM) and Confirmatory Factor Analysis (CFA) to verify the model. According to the results, seven important factors significantly impact in Saudi Arabian consumers’ intents to utilize m-wallet services. Factors such as perceived utility, usability, trust, compatibility, subjective standards, trustworthiness, and trainability impact the desire to adopt. Nonetheless, there was no statistically significant relationship between payment behaviors and adoption intention. In addition, the results showed that people’s inclination to utilize im-wallets was most affected by perceived utility and least by subjective standards. A little effect of trust on intention was seen.The paper addresses a knowledge vacuum in the existing literature on mobile wallet usage in developing nations by investigating potential motivators and deterrents for consumers to use these services. In addition, it creates and verifies an integrated technology acceptance model that has a 60% explanatory power in non-Western settings, meaning it can explain and forecast prospective users’ intents towards technology adoption. Finally, by identifying the relative relevance of the identified contributing elements and giving particular tactics, it provides practical advice for boosting consumers’ adoption of m-wallet services in developing nations. In its last section, the study addresses its shortcomings and makes recommendations for more investigation.
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