Go Cashless! Mobile Payment Apps Acceptance in Developing Countries: The Jordanian Context Perspective

Dmaithan Almajali, Manaf Al-Okaily, Khaleel Al-Daoud, Sulaiman Weshah and Aijaz A. Shaikh
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Dmaithan Almajali: Faculty of Business, Applied Science Private University, Amman 11931, Jordan
Manaf Al-Okaily: School of Business, Jadara University, Irbid 21110, Jordan
Khaleel Al-Daoud: Business School, Al-Ahliyya Amman University, Amman 19328, Jordan
Sulaiman Weshah: Amman University College for Financial and Administrative Sciences, Al-Balqa Applied University, Amman 19117, Jordan
Aijaz A. Shaikh: Jyväskylä University School of Business and Economics, University of Jyväskylä, P.O. Box 35, FI-40014 Jyväskylä, Finland

Sustainability, 2022, vol. 14, issue 20, 1-15

Abstract: Despite the expanding global usage of mobile phones in money transactions, the adoption of mobile payment systems in Jordan remains slow. This study employed the technology acceptance model (TAM) to identify the factors with a potential impact on mobile payment systems acceptance. The impact of perceived privacy (PP) and the mediating function of perceived certainty (PC) on the behavioral intention (BI) of mobile payment systems among Jordanian ministries were examined. Data obtained from 270 respondents were analyzed using partial least-squares structural equation modeling (PLS-SEM). The empirical findings show a positive link between perceived usefulness (PU) and PC on the BI of mobile payment systems. The mediation analysis demonstrated that PC partially mediated the association of PP with the BI of mobile payment systems. The final section concluded the paper by presenting the key theoretical and practical ramifications, as well as the research’s limitations and future directions.

Keywords: digital payment; cashless; mobile payment; mediation analysis; technology acceptance; perceived certainty; PLS-SEM; TAM (search for similar items in EconPapers)
JEL-codes: O13 Q Q0 Q2 Q3 Q5 Q56 (search for similar items in EconPapers)
Date: 2022
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (4)

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