Intention to Use E-Payments from the Perspective of the Unified Theory of Acceptance and Use of Technology (UTAUT): Evidence from Yemen

Abstract

This study explores the challenges facing the current e-payment systems and investigates the main factors that support using the e-payment system. This study used a cross-sectional approach. An online survey was conducted on Yemeni consumers as part of the collection of data. The data from 486 questionnaires were analyzed using smartPLS4 and Jamovi software for structural model analysis and statistical analysis. According to the PLS-SEM results, the structural model shows that R2 is 0.757, which explains the variances in behavioral intention via all the constructs. Statistically, the intention to use e-payment systems is significantly and positively influenced by performance and effort expectancies and social influence. In contrast, facilitation conditions are significantly and negatively correlated with behavioral intention. This is attributed to consumers’ view of the infrastructure of Internet services, which does not contribute to the behavioral intention and acceptance of using electronic payment in Yemen. Contrary to expectations, age does not moderate the relationship between performance expectancy, social influence, and intention to use e-payment systems; hence, the related hypothesis was not supported. This study provides valuable suggestions for policymakers, designers, developers, and researchers, enabling them to better understand the critical aspects of using the electronic payment system. This study developed a model for predicting the likelihood of acceptance of electronic payments in a country that has not given adequate attention to this issue. An application and evaluation of the UTAUT model in Yemen are presented in this study.

Evaluation of E-Government Systems to Realize Sustainable Development: E-Invoicing Web Systems as a Case Study

“…It can be concluded that performance expectancy positively affects Behavioral Intention. The results of this study are consistent with research conducted by [4,[18][19][20][21], which explains that the Performance Expectancy variable has a significant influence on the Behavioral Intention variable. The relationship between the hypothesis and the existing theory in this study is that Performance Expectancy affects Behavioral Intention, namely how high a person believes that using a system will help him gain job performance benefits.…”

Evaluation of ERP Oracle NetSuite Implementation Using the Unified Theory of Acceptance and Use of Technology (UTAUT) Model to Create a Sustainable Business

“…Based on Table 6, the significance value of the performance expectancy variable is 0.000 <0.05, which can be concluded that performance expectancy positively affects behavioral intentions. The results of this study are in line with research conducted by [9,10,11,30] which state that the variable perceived usefulness or performance expectancy has a significant influence on behavioral intentions or intentions of use.…”

“…Some variables from the UTAUT model are believed to be able to encourage someone to have the intention of using the system. Just as performance expectancy has a positive effect on behavior intentions [9][10][11], effort expectancy does not affect behavior intentions [12]. Social influence affects behavioral intentions [13], but their research [14] found that social impact does not have a positive effect on behavioral intentions.…”

Online Impulsive Buying Behavior (OIBB) Influenced by Hedonism, Re-source Availability, and Shopping Convenience Moderated by the Ease of Using Digital Payment Methods

“…According to (Linge et al, 2023), UTAUT is the most popular model or theory used to explain the general public's adoption and usage of new technology. UTAUT provides a framework to illustrate and explain how consumers or the public respond to emerging technologies and systems (Alduais & Al-Smadi, 2022) (Latifah et al, n.d.).…”