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Initial Trust and Usage Intention: A Study on Mobile Payment Adoption in Bangladesh

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  • Trisha Saha
  • Tonmoy Dey
  • Md. Rakibul Hoque

Abstract

Mobile payment (m-payment) still lacks widespread acceptance among Bangladeshi users despite its enormous possibilities. Previous studies have identified the reasons behind such reluctant usage intentions based on the data collected from regular m-payment users in Bangladesh. However, in Bangladesh, no study has considered the first-time user experience, which reflects initial trust yet. Therefore, the study was undertaken to identify the factors determining initial trust and their impact on m-payment usage intention in Bangladesh. We applied the structural equation modelling method to conduct an analysis of 284 first-time m-payment user data in Bangladesh. Initial trust was found positively influenced by perceived ubiquity, perceived security and perceived ease of use; perceived usefulness and the intention to use m-payments were found positively affected by initial trust. The study also revealed the positive association of users’ personal innovativeness and the negative association of perceived cost on m-payment usage intention. The mediation effects of initial trust were also found significant. The study recommends building initial user trust and service provider measures to encourage m-payment usage intention.

Suggested Citation

  • Trisha Saha & Tonmoy Dey & Md. Rakibul Hoque, 2026. "Initial Trust and Usage Intention: A Study on Mobile Payment Adoption in Bangladesh," Global Business Review, International Management Institute, vol. 27(2), pages 360-382, April.
    • Handle: RePEc:sae:globus:v:27:y:2026:i:2:p:360-382
    DOI: 10.1177/09721509221120805
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