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

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.

[1]  Niina Mallat,et al.  Exploring consumer adoption of mobile payments - A qualitative study , 2007, J. Strateg. Inf. Syst..

[2]  Thompson S. H. Teo,et al.  Adoption of the Internet and WAP-enabled phones in Singapore , 2003, Behav. Inf. Technol..

[3]  Juan Sánchez-Fernández,et al.  Antecedents of the adoption of the new mobile payment systems: The moderating effect of age , 2014, Comput. Hum. Behav..

[4]  Lim Hock-Eam,et al.  Estimating the Determinants of B2B E-Commerce Adoption among Small & Medium Enterprises , 2011 .

[5]  Andreas Kuckertz,et al.  Antecedents to Permission Based Mobile Marketing: An Initial Examination , 2007 .

[6]  Xitong Guo,et al.  UNDERSTANDING THE ACCEPTANCE OF MOBILE HEALTH SERVICES: A COMPARISON AND INTEGRATION OF ALTERNATIVE MODELS , 2013 .

[7]  Ching Seng Yap,et al.  Factors Affecting the Adoption of Mobile Commerce in Malaysia , 2009 .

[8]  C. Iconaru.  The Moderating Role of Perceived Self-efficacy in the Context of Online Buying Adoption , 2013 .

[9]  Rui Zhang,et al.  Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits , 2012, Comput. Hum. Behav..

[10]  Shuiqing Yang,et al.  Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective , 2011, Inf. Manag..

[11]  G. Notelaers,et al.  Job insecurity and employee health: The buffering potential of job control and job self-efficacy , 2010 .

[12]  Siu-cheung Chan,et al.  Understanding Internet Banking Adoption and Use Behavior: A Hong Kong Perspective , 2004, J. Glob. Inf. Manag..

[13]  Martina Ziefle,et al.  A Small but Significant Difference - The Role of Gender on Acceptance of Medical Assistive Technologies , 2010, USAB.

[14]  Fan-Yun Pai,et al.  Applying the Technology Acceptance Model to the introduction of healthcare information systems , 2011 .

[15]  Ronald T. Cenfetelli,et al.  Interpretation of Formative Measurement in Information Systems Research , 2009, MIS Q..

[16]  S. Mann.  Research Methods for Business: A Skill-Building Approach , 2013 .

[17]  Craig Van Slyke,et al.  The Influence of Culture on Consumer-Oriented Electronic Commerce Adoption , 2004 .

[18]  Detmar W. Straub,et al.  Specifying Formative Constructs in Information Systems Research , 2007, MIS Q..

[19]  Kiseol Yang.  The Effects of Technology Self-Efficacy and Innovativeness on Consumer Mobile Data Service Adoption between American and Korean Consumers , 2010 .

[20]  Chang Liu,et al.  Technology acceptance model for wireless Internet , 2003, Internet Res..

[21]  Zhongyi Hu,et al.  Exploring Gender Differences on General and Specific Computer Self-Efficacy in Mobile Learning Adoption , 2013, ArXiv.

[22]  Mohammed-Issa Riad Mousa Jaradat,et al.  Understanding the adoption and usage of mobile payment services by using TAM3 , 2014, Int. J. Bus. Inf. Syst..

[23]  K. Faqih.  Exploring the Influence of Perceived Risk and Internet Self-Efficacy on Consumer Online Shopping Intentions: Perspective of Technology Acceptance Model , 2013 .

[24]  U. Eze,et al.  Intention to Use E-Government Services in Malaysia: Perspective of Individual Users , 2011 .

[25]  Mohamad Fauzan Noordin,et al.  Developing and validating an instrument for measuring m-commerce adoption: an exploratory analysis , 2011 .

[26]  Viswanath Venkatesh,et al.  Why Don't Men Ever Stop to Ask for Directions? Gender, Social Influence, and Their Role in Technology Acceptance and Usage Behavior , 2000, MIS Q..

[27]  Tiong-Thye Goh,et al.  Exploring Gender Differences in SMS-Based Mobile Library Search System Adoption , 2011, J. Educ. Technol. Soc..

[28]  Harry Bouwman,et al.  Consumer lifestyles: alternative adoption patterns for advanced mobile services , 2012, Int. J. Mob. Commun..

[29]  Garry Wei-Han Tan,et al.  Determining factors affecting broadband services adoption: an empirical analysis of Malaysian consumers , 2012 .

[30]  Sang-Chul Lee,et al.  Determinants of behavioral intention to mobile banking , 2009, Expert Syst. Appl..

[31]  Khaled M. S. Faqih,et al.  Integrating perceived risk and trust with technology acceptance model: An empirical assessment of customers' acceptance of online shopping in Jordan , 2011, 2011 International Conference on Research and Innovation in Information Systems.

[32]  I. Ajzen,et al.  Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research , 1977 .

[33]  Xu Lu,et al.  Factors Influencing the Adoption of Mobile Learning , 2008 .

[34]  Deborah Compeau,et al.  Computer Self-Efficacy: Development of a Measure and Initial Test , 1995, MIS Q..

[35]  Garry Wei-Han Tan,et al.  NFC mobile credit card: The next frontier of mobile payment? , 2014, Telematics Informatics.

[36]  K. Williamson,et al.  Understanding Consumer Adoption of Internet Banking: An Interpretive Study in the Australian Banking Context , 2006 .

[37]  Detmar W. Straub,et al.  Gender Differences in the Perception and Use of E-Mail: An Extension to the Technology Acceptance Model , 1997, MIS Q..

[38]  U. Sekaran,et al.  Research Methods for Business : A Skill Building Approach (5th Edition) , 1992 .

[39]  Fred D. Davis,et al.  User Acceptance of Computer Technology: A Comparison of Two Theoretical Models , 1989 .

[40]  Mohammad Chuttur,et al.  Overview of the Technology Acceptance Model: Origins, Developments and Future Directions , 2009 .

[41]  In Lee,et al.  An empirical examination of factors influencing the intention to use mobile payment , 2010, Comput. Hum. Behav..

[42]  Wynne W. Chin,et al.  A Partial Least Squares Latent Variable Modeling Approach for Measuring Interaction Effects: Results from a Monte Carlo Simulation Study and an Electronic - Mail Emotion/Adoption Study , 2003, Inf. Syst. Res..

[43]  T. C. Edwin Cheng,et al.  Extending the Understanding of End User Information Systems Satisfaction Formation: An Equitable Needs Fulfillment Model Approach , 2008, MIS Q..

[44]  P. Farrand.  Social Psychological Foundations of Health and Illness , 2004 .

[45]  C. Fornell,et al.  Evaluating structural equation models with unobservable variables and measurement error. , 1981 .

[46]  Joseph F. Hair,et al.  Essentials of Business Research Methods , 2003 .

[47]  John Qi Dong,et al.  Gender differences in adoption of information systems: New findings from China , 2011, Comput. Hum. Behav..

[48]  T. Ramayah,et al.  The Adoption of Mobile Commerce Service among Employed Mobile Phone Users in Bangladesh: Self-efficacy as a Moderator , 2011 .

[49]  Alain Yee-Loong Chong,et al.  Understanding the Acceptance of RFID in the Healthcare Industry: Extending the TAM Model , 2012 .

[50]  Maria Simosi,et al.  The Moderating Role of Self‐Efficacy in the Organizational Culture-Training Transfer Relationship , 2012 .

[51]  H. de Vries,et al.  Self-efficacy as a Potential Moderator of the Effects of Framed Health Messages , 2011, Journal of health psychology.

[52]  Heshan Sun,et al.  The role of moderating factors in user technology acceptance , 2006, Int. J. Hum. Comput. Stud..

[53]  Fred D. Davis.  Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology , 1989, MIS Q..

[54]  Research on the Factors Affecting Consumers’ Willingness to the Use of Mobile Payment , 2012 .

[55]  Thompson S. H. Teo,et al.  Adoption of WAP-enabled mobile phones among Internet users , 2003 .

[56]  Jing Li,et al.  Empirical Study of Influence Factors of Adaption Intention of Mobile Payment based on TAM Model in China , 2014 .

[57]  Hanudin Amin.  Journal of Internet Banking and Commerce Internet Banking Adoption among Young Intellectuals , 2022 .

[58]  Cecilia Ritho,et al.  Internet Banking Adoption in Kenya: The Case of Nairobi County , 2012 .

[59]  Fred D. Davis,et al.  A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies , 2000, Management Science.

[60]  Joey F. George,et al.  IT Road Warriors: Balancing Work--Family Conflict, Job Autonomy, and Work Overload to Mitigate Turnover Intentions , 2007, MIS Q..

[61]  Chang Liu,et al.  Determinants of accepting wireless mobile data services in China , 2008, Inf. Manag..

[62]  Hamza Khraim.  Factors Affecting Jordanian Consumers ’ Adoption of Mobile Banking Services , 2011 .

[63]  R. Schwarzer,et al.  Self-efficacy and health behaviours. , 1996 .

[64]  Rolph E. Anderson,et al.  Multivariate Data Analysis (7th ed. , 2009 .

[65]  Anastasios A. Economides,et al.  Computer based assessment: Gender differences in perceptions and acceptance , 2011, Comput. Hum. Behav..

[66]  Lina Zhou,et al.  ONLINE SHOPPING ACCEPTANCE MODEL — A CRITICAL SURVEY OF CONSUMER FACTORS IN ONLINE SHOPPING , 2007 .

[67]  Poong Yew-Siang,et al.  3G Services Adoption among University Students: Diffusion of Innovation Theory , 2008 .

[68]  Qing Hu,et al.  Are Mobile Payment and Banking the Killer Apps for Mobile Commerce? , 2008, Proceedings of the 41st Annual Hawaii International Conference on System Sciences (HICSS 2008).

[69]  Bassam Hasan,et al.  Exploring gender differences in online shopping attitude , 2010, Comput. Hum. Behav..

[70]  Paul A. Pavlou,et al.  From IT Leveraging Competence to Competitive Advantage in Turbulent Environments: The Case of New Product Development , 2006, Inf. Syst. Res..

[71]  Paul A. Pavlou,et al.  Understanding and Predicting Electronic Commerce Adoption: An Extension of the Theory of Planned Behavior , 2006, MIS Q..

[72]  Kiseol Yang.  Consumer technology traits in determining mobile shopping adoption: An application of the extended theory of planned behavior , 2012 .

[73]  Chang Liu,et al.  An Application of the UTAUT Model for Understanding Student Perceptions Using Course Management Software , 2007, Communications of the IIMA.

[74]  Fumiko Hayashi.  Mobile Payments: What's in It for Consumers? , 2012 .

[75]  Vincent S. Lai,et al.  Literature derived reference models for the adoption of online shopping , 2005, Inf. Manag..

[76]  Dietmar G. Wiedemann,et al.  What Influences Consumers ’ Intention to Use Mobile Payments ? , 2007 .

[77]  Tomi Dahlberg,et al.  Past, present and future of mobile payments research: A literature review , 2008, Electron. Commer. Res. Appl..

[78]  G. Caprara,et al.  From Positive Orientation to Job performance: The Role of Work Engagement and Self-efficacy Beliefs , 2015 .

[79]  Detmar W. Straub,et al.  Diffusing the Internet in the Arab world: the role of social norms and technological culturation , 2003, IEEE Trans. Engineering Management.

[80]  Dong Hee Shin,et al.  User acceptance of mobile Internet: Implication for convergence technologies , 2007, Interact. Comput..

[81]  Dong-Hee Shin,et al.  Towards an understanding of the consumer acceptance of mobile wallet , 2009, Comput. Hum. Behav..

[82]  Moez Limayem,et al.  How Habit Limits the Predictive Power of Intention: The Case of Information Systems Continuance , 2007, MIS Q..

[83]  Bernd W. Wirtz,et al.  Understanding consumer acceptance of mobile payment services: An empirical analysis , 2010, Electron. Commer. Res. Appl..

[84]  E. Bigné,et al.  The Impact of Internet User Shopping Patterns and Demographics on Consumer Mobile Buying Behaviour , 2005 .

[85]  Yves Pigneur,et al.  Towards a holistic analysis of mobile payments: A multiple perspectives approach , 2006, Electron. Commer. Res. Appl..

[86]  Chorng-Shyong Ong,et al.  Gender differences in perceptions and relationships among dominants of e-learning acceptance , 2006, Comput. Hum. Behav..

[87]  E. Mao,et al.  UNDERSTANDING THE ACCEPTANCE OF MOBILE SMS ADVERTISING AMONG YOUNG CHINESE CONSUMERS , 2008 .

[88]  Rosa E. Rios,et al.  The moderating effect of gender in the adoption of mobile banking , 2010 .

[89]  Dianne Cyr,et al.  Gender and website design in e-business , 2005, Int. J. Electron. Bus..

[90]  Viswanath Venkatesh,et al.  Technology Acceptance Model 3 and a Research Agenda on Interventions , 2008, Decis. Sci..

[91]  Izak Benbasat,et al.  Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation , 1991, Inf. Syst. Res..

[92]  Key Pousttchi,et al.  Security issues in mobile payment from the customer viewpoint , 2006, ECIS.

[93]  Asadullah Shah,et al.  Gender and mobile payment system adoption among students of tertiary institutions in Nigeria , 2014 .

[94]  Fethi Calisir,et al.  Predicting the behavioral intention to use enterprise resource planning systems , 2009 .

[95]  D. Campbell.  Recommendations for APA test standards regarding construct, trait, or discriminant validity. , 1960 .

[96]  Gordon B. Davis,et al.  User Acceptance of Information Technology: Toward a Unified View , 2003, MIS Q..