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EMERALD

Predicting the adoption of mobile payment applications during the COVID-19 pandemic

Predicting the adoption of mobile payment applications during the COVID-19 pandemic

emerald.com

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This study aims to analyse the adoption of mobile payment applications during the coronavirus disease 2019 (COVID-19) pandemic using the technology acceptance model (TAM) and Technology Readiness Index (TRI).

TRI constructs affect perceived usefulness and perceived ease of use, with the ex...

  • perceived usefulness and easiness of use determine one’s attitude towards the adoption of a particular technology and consequently determine the intention to use and apply the technology
  • perceived usefulness: the extent to which a person believes that using a particu...

  • related to one’s tendency to use new technology as well as the general sentiment about the new technology
  • 16 items, measuring optimism, innovativeness, discomfort and insecurity
  • readiness for general technology

Hypotheses

H1-4: Optimism/Innovativeness have a positive effect on perceived usefulness/ease-of-use.

✅ supported

H5-8: Discomfort/Insecurity have a negative effect on perceived usefulness/ease-of-use.

✅ H6

❌ H5, H7-8

H9-10: Perceived usefulness/ease-of-use have a positive inf...

  • TRI constructs have a high level of importance in their effect on attitude and intention to use
  • optimism has the highest level of importance ➡️ must be increased by service providers by convincing users of the benefits of using mobile payment applications

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