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The Determinants of Digital Payment Systems’ Acceptance under Cultural Orientation Differences: The Case of Uncertainty Avoidance

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  • Al-Okaily, Manaf
  • Lutfi, Abdalwali
  • Alsaad, Abdallah
  • Taamneh, Abdallah
  • Alsyouf, Adi

Abstract

The digital payment method has become a pervasive payment phenomenon in the world, as in the case of Jordan Mobile Payment (JoMoPay) system which can be used to save time, effort, and cost. Consequently, the evaluation of digital payment systems is vital to ensure successful implementation and positive influences on users. The current paper expands the Unified Theory of Acceptance and Use of Technology (UTAUT2) to the study of JoMoPay system in the Jordanian context. The research's proposed model incorporates four new external constructs into UTAUT2 model, namely; awareness, security, privacy and culture. In addition, the relationships between social influence and behavioural intention to use JoMoPay system is moderated by culture. The data were collected by conducting a field survey questionnaire on 270 respondents of Jordanian public sector employees and were analyzed using Partial Least Squares (PLS) Version 3.2.3. The results mainly show that intention to use JoMoPay system is significantly and positively influenced by performance expectancy, social influence, price value, security and privacy, which together explain 0.612 of the variance of behavioural intention. Next, contrary to what is expected, culture does not moderate the relationship between social influence and intention to use JoMoPay system; and hence the related hypothesis was not supported. Lastly, more discussion regarding the theoretical and managerial contributions as well as limitations and future research are presented at the end of this paper, which completes the whole paper.

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  • Al-Okaily, Manaf & Lutfi, Abdalwali & Alsaad, Abdallah & Taamneh, Abdallah & Alsyouf, Adi, 2020. "The Determinants of Digital Payment Systems’ Acceptance under Cultural Orientation Differences: The Case of Uncertainty Avoidance," Technology in Society, Elsevier, vol. 63(C).
    • Handle: RePEc:eee:teinso:v:63:y:2020:i:c:s0160791x20302086
    DOI: 10.1016/j.techsoc.2020.101367
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    16. Selim, Hassan & Eid, Riyad & Agag, Gomaa & Shehawy, Yasser Moustafa, 2022. "Cross-national differences in travelers’ continuance of knowledge sharing in online travel communities," Journal of Retailing and Consumer Services, Elsevier, vol. 65(C).
    17. Nadire Cavus & Yakubu Bala Mohammed & Abdulsalam Ya’u Gital & Mohammed Bulama & Adamu Muhammad Tukur & Danlami Mohammed & Muhammad Lamir Isah & Abba Hassan, 2022. "Emotional Artificial Neural Networks and Gaussian Process-Regression-Based Hybrid Machine-Learning Model for Prediction of Security and Privacy Effects on M-Banking Attractiveness," Sustainability, MDPI, vol. 14(10), pages 1-21, May.
    18. Giacomo Migliore & Ralf Wagner & Felipe Schneider Cechella & Francisco Liébana-Cabanillas, 2022. "Antecedents to the Adoption of Mobile Payment in China and Italy: an Integration of UTAUT2 and Innovation Resistance Theory," Information Systems Frontiers, Springer, vol. 24(6), pages 2099-2122, December.
    19. Yuqi Zhao & Young-Hwan Pan, 2023. "A Study of the Impact of Cultural Characteristics on Consumers’ Behavioral Intention for Mobile Payments: A Comparison between China and Korea," Sustainability, MDPI, vol. 15(8), pages 1-22, April.

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