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

  •  Mohammed-Issa Jaradat    
  •  Khaled Faqih    


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 imperativebecause the outcomes and conclusions of the current analysis could be thoughtfully and strategically utilized toimprove and accelerate the adoption and diffusion of mobile payment in Jordan. To achieve this objective, thecurrent study develops a theoretical research model as a framework based on modified Technology AcceptanceModel 2 (TAM2). The moderating influence of gender and self-efficacy on the adoption process of mobilepayment was integrated in the current model. The quantitative data was collected via a paper-basedself-administered questionnaire. A valid 366 data sets (of those just above 50% are females) were used to assessthe model. The model parameters were theoretically analyzed by using the WarpPLS 4.0 software. PLS has beenselected on merits because it can statistically handle the complexity of the proposed model. This study hasconcluded that the perceptions of usefulness and ease of use, subjective norm, output quality, and resultdemonstrability are all important determining factors of behavioral intention towards mobile payment adoption.Further, image and output quality determinants were empirically observed to influence perceived usefulnessconstruct and indirectly influencing behavioral intention. In the meantime, gender differences were determinedto have little moderating influence on the adoption process of mobile payment. However, the self-efficacy aspectwas found to have a moderating influence on some of the hypothesized relationships of this model, implying thatself-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 presentedand discussed.

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