An Empirical Analysis of Perceived Transaction Convenience, Performance Expectancy, Effort Expectancy and Behavior Intention to Mobile Payment of Cambodian Users

Abstract

Mobile payment (m-payment) is determined as modern application of electronic commerce. It helps financial institutions to widen the financial services to existing customers in developed countries and to increase financial inclusion in developing and emerging countries. Cambodia is a country with low financial inclusion and National Bank of Cambodia perceives that the usage of m-payment can help to increase financial deepness. However, the lack of empirical evidences is a concern and this study is developed to fill the literature gaps. A research model as proposed in which behavior intention towards m-payment is affected by performance expectancy and effort expectancy. This model involves perceived transaction convenience as direct impact on performance expectancy and effort expectancy. Four research hypotheses were proposed and data was collected from 252 questionnaires. Obtained result showed that three hypotheses were supported. Only the effect of perceived transaction convenience on performance expectancy was not significantly. All factors qualified for reliability test's requirement. EFA Analysis was conducted to verify the construct between factors and belonged items. Based on empirical results, recommendations and future researches were proposed.

UTAUT Model Analysis on E-Wallet Usage of Vocational School Students

“…The higher the perception of ease of management of the Dana E-Wallet, the greater the probability of Behavioral Intention in its usage. This finding is consistent with previous research conducted by Hung et al (2019), Muangmee et al (2021), andSubawa andMimaki (2019), which concluded that Performance Expectancy has a positive and significant influence on Behavioral Intention. Noteworthy is the specific element within Performance Expectancy, the perception of ease of management, which bears substantial influence on Behavioral Intention in employing the Dana E-Wallet.…”

“…Considering the utility, motivation, and benefits derived from using information technology, users develop an interest in utilizing technology to enhance their performance. Performance Expectancy consistently and significantly influences the intention to use information technology (Hung et al, 2019;Muangmee et al, 2021;Subawa & Mimaki, 2019). One specific item within Performance Expectancy, namely the perception of ease of management, has a significant impact on Behavioral Intention in using the Dana E-Wallet.…”

The Impact Of Customer Satisfaction On Customer Loyalty Of BCA Mobile Banking

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Perilaku Penggunaan “Qris Bri Brimo” Pada Pedagang Sebagai Alat Transaksi Pembayaran Digital

“…Lebih lanjut, studi terdahulu menjelaskan bahwa performance expectancy memiliki pengaruh positif terhadap niat perilaku dalam menggunakan sistem pembayaran mobile pada studi yang dilakukan di Iran terhadap pengguna e-banking (Hung et al, 2019). Telah dibuktikan pula pada studi yang dilakukan di negara Taiwan bahwa performance expectancy merupakan prediktor utama yang menentukan niat perilaku dalam menggunakan web layanan digital (Yu et al, 2021).…”