Investigating the Moderating Effects of Gender and Self-Efficacy in the Context of Mobile Payment Adoption: A Developing Country Perspective

Abstract

The adoption rate of mobile payment technology is relatively low in the developing world, particularly in Jordan. The need to study why people in Jordan are unwilling to participate in its adoption is definitely imperative because the outcomes and conclusions of the current analysis could be thoughtfully and strategically utilized to improve and accelerate the adoption and diffusion of mobile payment in Jordan. To achieve this objective, the current study develops a theoretical research model as a framework based on modified Technology Acceptance Model 2 (TAM2). The moderating influence of gender and self-efficacy on the adoption process of mobile payment was integrated in the current model. The quantitative data was collected via a paper-based self-administered questionnaire. A valid 366 data sets (of those just above 50% are females) were used to assess the model. The model parameters were theoretically analyzed by using the WarpPLS 4.0 software. PLS has been selected on merits because it can statistically handle the complexity of the proposed model. This study has concluded that the perceptions of usefulness and ease of use, subjective norm, output quality, and result demonstrability are all important determining factors of behavioral intention towards mobile payment adoption. Further, image and output quality determinants were empirically observed to influence perceived usefulness construct and indirectly influencing behavioral intention. In the meantime, gender differences were determined to have little moderating influence on the adoption process of mobile payment. However, the self-efficacy aspect was found to have a moderating influence on some of the hypothesized relationships of this model, implying that self-efficacy is a significant decision factor to consider for adoption of mobile payment technology. Moreover, the theoretical and practical implications of the findings and recommendations for future research are presented and discussed.

Revealing the Black Box of Shifting from Electronic Commerce to Mobile Commerce: The Case of Jordan

“…Also, they are likely to have more experience than other user groups in using m-devices. According to [29], university students' incomes and educational levels make them more likely to be early adopters of new technologies and innovations such as m-commerce. Additionally, students are viewed as 'mobile savvy', which means they can easily use the various applications of mobile devices.…”

Facilitating E-Commerce in Jordan: A Qualitative Analysis

“…Ecommerce and its applications become as the most important method that the businesses apply it in 21st. century, raising enormous opportunities and challenges in various aspects [3].…”

Have Your Needs before Entering to Queen Alia International Airport = امتلك حاجاتك قبل وصولك إلى مطار الملكة علياء الدولي

“…However, the ecommerce and it applications become as the most important approach that the organizations apply it in 21st. century, which succeed in performing the business activities in general and marketing in particular by using the Internet technology (Jaradat & Faqih, 2014). One of these applications is Online Shopping Services (OSSs) which is adapted by a huge number of business companies to move itself from marketplace to market space or virtual marketing.…”