Understanding the key drivers in using mobile payment (M-Payment) among Generation Z travellers

Abstract

Purpose The purpose of this study is twofold. The first objective is to identify the factors that affect Gen Z tourists' M-payment behaviour. Next, this study investigates the inter-relationship between Gen Z tourist’s perception of M-payment benefits, adoption behaviour, usage risk and future usage intention. Design/methodology/approach The sample comprised Malaysian Gen Z individuals (n = 326) who had experience using M-payment methods while travelling outbound. Given the complex nature of the model and the goal to predict and explain relationships within Gen Z's M-payment usage, partial-least square-structural equation modelling was used to assess the study framework and test the proposed relationships. Findings This study reveals significant influences on Gen Z tourists' behavioural intentions towards M-payment usage. Perceived benefits, performance expectancy, social influence and perceived trust positively impact behavioural intentions, while effort expectancy exhibits no significant effect. Furthermore, perceived trust is strongly influenced by perceived security, which also positively influences behavioural intentions. A mediated relationship is evident as trust mediating the effect of perceived security on behavioural intentions. Research limitations/implications This study’s findings contribute to understanding the intricate relationships influencing Gen Z's M-payment behaviour and underscore trust's pivotal role in mediating the security–behavioural intention relationship. Originality/value This study is among the first to consider Mental Accounting Theory and the Unified Theory of Acceptance and Use of Technology as crucial underpinning theories in comprehending the intricate relationships that influence Gen Z travellers' perceptions and behaviours concerning M-payment systems.

Intention to Pay Infaq and Alms Through Crowdfunding Platform

“…1, Februari 2024: 54-76 that the crowdfunding platform can be used to pay infaq and alms. The results of previous research, such as Chawla & Joshi (2019), Hanafiah et al, (2024), Al-Okaily et al, (2024) and Nguyen et al, (2022) in applying the TAM model explains that trust is defined as an antecedent of perceived ease of use and perceived usefulness which influence attitudes and behavioral intentions to use E-Wallet services and Fintech. In addition, the research results of Muhammad et al, (2022) show that trust is the main factor influencing consumers' willingness to share digital footprints on social media; Shaker et al, (2021) confirmed that trust has a positive influence in predicting intention to follow online restaurant community advice, Abdelwahed et al, (2024) found a significant influence on intention to adoption digital e-health practices among healthcare professionals.…”