Predicting the adoption of mobile payment applications during the COVID-19 pandemic
Curated from: emerald.com
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Summary
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 exception of discomfort which has no significant effect on the perceived usefulness. In addition, attitude is influenced by two main TAM variables: perceived usefulness and perceived ease of use. Meanwhile, the intention to use mobile payment applications is influenced by attitude.
5
80 reads
Technology Acceptance Model (TAM)
- 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 particular system will improve his work performance
- perceived ease of use: a person’s belief that using a particular system will free him from effort
- readiness for a specific system
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48 reads
Technology Readiness Index (TRI)
- 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
5
52 reads
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 influence on attitude.
✅ supported
H11: Attitude has a positive influence on intention to use mobile payment applications.
✅ supported
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48 reads
Findings
- 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
- insecurity has a positive effect on perceived usefulness and ease of use (❌H7-8); “explorer”/techno-ready user more likely to learn to use the application
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31 reads
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