The technology acceptance model (TAM) has been regarded as a promising model for understanding technology adoption and can be extended to different situations. Currently, mobile payment services have been widely applied in people’s daily lives in China, and understanding their critical success factors is becoming important. Mobile payments are a complex system, and a large number of factors affect their success. Since mobile payments are directly related to financial issues, their wide adoption relies heavily on people’s trust. We developed a model based on the TAM to investigate the most influential factors in building trust within the mobile payment context. We conducted an empirical survey and 373 samples were collected using a valid questionnaire from the users of the popular payment platforms in China—Alipay and WeChat payment. We found that government monitoring is the most significant factor of customer trust, followed by reputation, and security. Government monitoring directly influenced behavioral intention, was negatively associated with perceived risk and positively affected behavioral intention. Moreover, mobility, subjective norms, usefulness, ease of use, and perceived enjoyment impacts customer behavioral intention.

The advancement of technology in the field of telecommunications and increasing use of smartphones worldwide has simplified the purchasing and payment process via mobile devices. This new payment method enables people to enjoy services in a flexible and convenient manner while going about their daily activities. This study explores the continued use of mobile payment antecedents in Sudan. A total of 453 questionnaires were collected; SPSS and AMOS were used to test the proposed theoretical model using structural equation modeling. According to the findings, satisfaction was the most important factor in the intention to use mobile payment. Hedonic motivation and price value were found to have a negative influence on the intention to use mobile payment in Sudan.

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