Trust plays a vital role in the adoption of a new payment system in so far as people need to trust that the prevailing currency, or in other words, money, is recognized by all stakeholders. With the evolution of the payment methods, shifting from paper-based to electronic-based, building consumer trust has become a vital element for the success of businesses involved in the mobile payment systems sector. In this context, the aim of this study was to delve deeper into the factors that have impact on consumers trust in mobile payment systems (MPS) in Australia. A quantitative approach through a questionnaire survey was conducted to measure the data collected. The data of 200 participants were gathered using SurveyMonkey and the Excel spreadsheets was imported into SPSS (Statistical Package for the Social Sciences) system, where the data were organised. Besides, this study adopted the Partial Least Square Structural Equation Modeling (PLS-SEM), where the data analysis took place. The findings of PLSSEM analysis pointed out that behavioural factors and organisational factors have significant impact on consumers’ trust, and this, as a consequence, have influence on MPS adoption. On the other hand, this research found that the technological factors, governmental factors and personal factors have no significant impact on Australian consumers’ trust and this, as a result, has no influence on MPS adoption.

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Over the past decades, organisations worldwide driven by the growth in e-commerce transactions have been investing in new payment methods in order to gradually align with the current trend of cashless transactions among individuals, businesses and governments. As a result, payments conducted over the internet or cloud-based payment systems (CBPS) have significantly increased. In this sense, the aim of this study is to provide a comprehensive review of studies that used the technology acceptance model (TAM) to analyse the CBPS. The findings of this study found 134 studies conducted between 2013 and 2020, which have applied the TAM. 118 new variables were tested alongside with the 5 basic constructs of TAM. Surveys are the preferred research method of data collection. Users have been the main focus of academics. China was the country with more studies conducted in CBPS using TAM as a researchbased model, followed by India, Indonesia, Spain and Malaysia. Trust was the most used construct by academics to investigate the CBPS adoption, followed by perceived risk and perceived compatibility. SEM was the preferred research instrument for analysing the relationship among constructs followed by regression analysis and multi-group analysis.

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