Mobile payment adoption by citizens of tier-II cities with special reference to COVID-19: extending UTAUT with intrinsic motivation and perceived credibility Online publication date: Tue, 21-Mar-2023
by Anu Sahi; Rishi Manrai
International Journal of Business Information Systems (IJBIS), Vol. 42, No. 3/4, 2023
Abstract: The present study aims to identify the main determinants of mobile payment adoption in tier-II cities, specifically in the wake of COVID-19. We tried to contribute to the existing body of knowledge by proposing a model that combines two constructs, i.e., intrinsic motivation and perceived credibility in an extended unified theory of acceptance and use of technology (UTAUT2). The research model was empirically tested using 450 responses from a questionnaire-based survey conducted in India. Data was analysed using structural equation modelling (SEM). We found intrinsic motivation and effort expectancy as the most significant determinants of the behavioural intentions to adopt mobile payment in tier-II cities of India. COVID-19 also emerged as a factor, but not the most important factor in the study. The study has relevance for practitioners also because understanding the key constructs is crucial to design, refine, and implement mobile payment services.
Existing subscribers:
Go to Inderscience Online Journals to access the Full Text of this article.
If you are not a subscriber and you just want to read the full contents of this article, buy online access here.Complimentary Subscribers, Editors or Members of the Editorial Board of the International Journal of Business Information Systems (IJBIS):
Login with your Inderscience username and password:
Want to subscribe?
A subscription gives you complete access to all articles in the current issue, as well as to all articles in the previous three years (where applicable). See our Orders page to subscribe.
If you still need assistance, please email subs@inderscience.com
Our Blog 
Follow us on Twitter 
Visit us on Facebook