E-payment Acceptance: Extended UTAUT Model with Security Factor

Authors

Fadi Mohammed Alshannag, Faculty of Business, Department of Finance and Banking, Jadara University, Irbid, P.O. 733, Postal Code 21110, JordanFollow
Hebah Zaki Makhamreh, Faculty of Business, Department of Business Administration, Jadara University, Irbid, P.O. 733, Postal Code 21110, JordanFollow
Abdul Hafaz Ngah, Faculty of Business, Economic and Social Development, Universiti Malaysia Terengganu, Kuala Nerus, 21030, Terengganu, MalaysiaFollow
Bilal Eneizan, Faculty of Business, Department of Marketing, Jadara university, Irbid, P.O. 733, Postal Code 21110, JordanFollow

Abstract

We examine the impact of different factors that affect the acceptance of e-payment in Jordan. The theoretical base of the research is UTAUT with an additional factor of security. The design of the study is quantitative and the data collection instrument was close-ended questionnaire the included the questions related demography of the respondents as well as the variables presented in the model. The sample size was 370 banks customers. The data analysis were performed using Smart PLS 3. With 5 predictors on behavioural intention, the R2 was 0.461. Effort expectancy, facilitating condition, performance expectancy, and social influence were all positively related to behavioural intention. However, for the perceived security, it is shown that the behavioural intention does not play a significant factor. Finally, our model provides guidelines at the managerial level to advance their system of e-payment.

Recommended Citation

Mohammed Alshannag, Fadi; Zaki Makhamreh, Hebah; Hafaz Ngah, Abdul; and Eneizan, Bilal (2022) "E-payment Acceptance: Extended UTAUT Model with Security Factor," Information Sciences Letters: Vol. 11 : Iss. 3 , PP -.
Available at: https://digitalcommons.aaru.edu.jo/isl/vol11/iss3/25