E-payment adoption in Jordan: UTAUT model moderated by anxiety

Sahem Nawafleh

International Journal of Procurement Management, 2023, vol. 18, issue 4, 546-564

Abstract: This paper attempts to identify the factors that shape customer adoption of e-payment in Jordan. The study is guided by the unified theory of acceptance and use of technology (UTAUT), which proposes four factors: performance expectancy (PE), effort expectancy (EE), social influence (SI), and facilitating conditions (FC). The study also suggests anxiety as an adverse moderator. A quantitative-deductive causal approach based on cross-sectional data was adopted. Using a self-administered questionnaire, data was collected from (n = 411) participants in Jordan. SEM-AMOS was used to conduct statistical analysis. Findings reported that factors of UTAUT, along with anxiety, explained (R2 = 50%) of the variance in behavioural intention (BI). PE was the strongest determinant (49%), whereas EE was not seen to achieve a significant effect. The moderator, anxiety, was partially supported. Following the gathered results, implications were provided.

Keywords: e-payment; UTAUT; adoption; determinants; anxiety; Jordan. (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:ids:ijpman:v:18:y:2023:i:4:p:546-564

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