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Intention to Use E-Payments from the Perspective of the Unified Theory of Acceptance and Use of Technology (UTAUT): Evidence from Yemen

Author

Listed:
  • Fahd Alduais

    (Department of Accounting, Philadelphia University, Jarash Road, 20 KM, Amman 19392, Jordan)

  • Mohammad O. Al-Smadi

    (Department of Finance and Banking Sciences, Philadelphia University, Jarash Road, 20 KM, Amman 19392, Jordan)

Abstract

This study explores the challenges facing the current e-payment systems and investigates the main factors that support using the e-payment system. This study used a cross-sectional approach. An online survey was conducted on Yemeni consumers as part of the collection of data. The data from 486 questionnaires were analyzed using smartPLS4 and Jamovi software for structural model analysis and statistical analysis. According to the PLS-SEM results, the structural model shows that R 2 is 0.757, which explains the variances in behavioral intention via all the constructs. Statistically, the intention to use e-payment systems is significantly and positively influenced by performance and effort expectancies and social influence. In contrast, facilitation conditions are significantly and negatively correlated with behavioral intention. This is attributed to consumers’ view of the infrastructure of Internet services, which does not contribute to the behavioral intention and acceptance of using electronic payment in Yemen. Contrary to expectations, age does not moderate the relationship between performance expectancy, social influence, and intention to use e-payment systems; hence, the related hypothesis was not supported. This study provides valuable suggestions for policymakers, designers, developers, and researchers, enabling them to better understand the critical aspects of using the electronic payment system. This study developed a model for predicting the likelihood of acceptance of electronic payments in a country that has not given adequate attention to this issue. An application and evaluation of the UTAUT model in Yemen are presented in this study.

Suggested Citation

  • Fahd Alduais & Mohammad O. Al-Smadi, 2022. "Intention to Use E-Payments from the Perspective of the Unified Theory of Acceptance and Use of Technology (UTAUT): Evidence from Yemen," Economies, MDPI, vol. 10(10), pages 1-15, October.
    • Handle: RePEc:gam:jecomi:v:10:y:2022:i:10:p:259-:d:945771
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    References listed on IDEAS

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    1. Martins, Carolina & Oliveira, Tiago & Popovič, Aleš, 2014. "Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application," International Journal of Information Management, Elsevier, vol. 34(1), pages 1-13.
    2. Nicole Koenig-Lewis & Morgan Marquet & Adrian Palmer & Anita Lifen Zhao, 2015. "Enjoyment and social influence: predicting mobile payment adoption," The Service Industries Journal, Taylor & Francis Journals, vol. 35(10), pages 537-554, July.
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    1. Ecenur Demir & Seren Özsoy & Metin Saygılı, 2024. "The technological shift towards embedded payments: an examination of young consumers’ intention," Future Business Journal, Springer, vol. 10(1), pages 1-16, December.
    2. Nattakorn Pinyanitikorn & Walailak Atthirawong & Wirachchaya Chanpuypetch, 2024. "Examining the Intention to Adopt an Online Platform for Freight Forwarding Services in Thailand: A Modified Unified Theory for Acceptance and Use of Technology (UTAUT) Model Approach," Logistics, MDPI, vol. 8(3), pages 1-23, July.
    3. Emmanuel Amos & Harry Barton Essel & George Kwame Fobiri & Akwasi Adomako Boakye & Yaw Boateng Ampadu, 2025. "Exploring the Analytics Readiness Among Students in Kumasi Technical University, Ghana," SAGE Open, , vol. 15(3), pages 21582440251, August.
    4. Sumita Jagdishprasad Shroff & Rajkumari Nitin Soni & Simran Rohira, 2026. "Digital currency usage intention among existing fintech users: testing the modified UTAUT using hybrid SEM-ANN approach," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 31(1), pages 1-27, March.

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