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Go Cashless! Mobile Payment Apps Acceptance in Developing Countries: The Jordanian Context Perspective

Author

Listed:
  • Dmaithan Almajali

    (Faculty of Business, Applied Science Private University, Amman 11931, Jordan)

  • Manaf Al-Okaily

    (School of Business, Jadara University, Irbid 21110, Jordan)

  • Khaleel Al-Daoud

    (Business School, Al-Ahliyya Amman University, Amman 19328, Jordan)

  • Sulaiman Weshah

    (Amman University College for Financial and Administrative Sciences, Al-Balqa Applied University, Amman 19117, Jordan)

  • Aijaz A. Shaikh

    (Jyväskylä University School of Business and Economics, University of Jyväskylä, P.O. Box 35, FI-40014 Jyväskylä, Finland)

Abstract

Despite the expanding global usage of mobile phones in money transactions, the adoption of mobile payment systems in Jordan remains slow. This study employed the technology acceptance model (TAM) to identify the factors with a potential impact on mobile payment systems acceptance. The impact of perceived privacy (PP) and the mediating function of perceived certainty (PC) on the behavioral intention (BI) of mobile payment systems among Jordanian ministries were examined. Data obtained from 270 respondents were analyzed using partial least-squares structural equation modeling (PLS-SEM). The empirical findings show a positive link between perceived usefulness (PU) and PC on the BI of mobile payment systems. The mediation analysis demonstrated that PC partially mediated the association of PP with the BI of mobile payment systems. The final section concluded the paper by presenting the key theoretical and practical ramifications, as well as the research’s limitations and future directions.

Suggested Citation

  • Dmaithan Almajali & Manaf Al-Okaily & Khaleel Al-Daoud & Sulaiman Weshah & Aijaz A. Shaikh, 2022. "Go Cashless! Mobile Payment Apps Acceptance in Developing Countries: The Jordanian Context Perspective," Sustainability, MDPI, vol. 14(20), pages 1-15, October.
    • Handle: RePEc:gam:jsusta:v:14:y:2022:i:20:p:13524-:d:947361
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    References listed on IDEAS

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    1. Zhunzhun Liu & Shenglin Ben & Ruidong Zhang, 2019. "Factors affecting consumers’ mobile payment behavior: a meta-analysis," Electronic Commerce Research, Springer, vol. 19(3), pages 575-601, September.
    2. Mahmood Al-Bashayreh & Dmaithan Almajali & Ahmad Altamimi & Ra’ed Masa’deh & Manaf Al-Okaily, 2022. "An Empirical Investigation of Reasons Influencing Student Acceptance and Rejection of Mobile Learning Apps Usage," Sustainability, MDPI, vol. 14(7), pages 1-14, April.
    3. Türker, Cansu & Altay, Burak Can & Okumuş, Abdullah, 2022. "Understanding user acceptance of QR code mobile payment systems in Turkey: An extended TAM," Technological Forecasting and Social Change, Elsevier, vol. 184(C).
    4. Ayman A. Alsmadi & Ahmed Shuhaiber & Loai N. Alhawamdeh & Rasha Alghazzawi & Manaf Al-Okaily, 2022. "Twenty Years of Mobile Banking Services Development and Sustainability: A Bibliometric Analysis Overview (2000–2020)," Sustainability, MDPI, vol. 14(17), pages 1-14, August.
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    Cited by:

    1. 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.
    2. Qingyu Zhang & Salman Khan & Mei Cao & Safeer Ullah Khan, 2023. "Factors Determining Consumer Acceptance of NFC Mobile Payment: An Extended Mobile Technology Acceptance Model," Sustainability, MDPI, vol. 15(4), pages 1-18, February.

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