“…(Dwivedi et al, 2017) Performance Expectancy (PE): A similar construct has been used in developing the UTAUT theory (Venkatesh et al, 2003) as well as its extended version, that is, the UTAUT2 theory (Venkatesh, Thong, & Xu, 2012) to study consumer's adoption of a technology. This construct has appeared as a critical predictor in understanding system's usefulness in earlier studies (Talukder, Shen, Hossain Talukder, & Bao, 2019). Further, a positive and significant influence of performance expectancy on behavioural intention to use digital payments adoption has also been observed in earlier studies (Rahman, Shafique, Khurshid, Asghar, & Ghafoor, 2020).…”