Title: A collaborating ITM-EVF approach to investigate customer's intention to adopt mobile payment systems: a study on Bangladesh market

Authors: Md. Sharif Hassan; Md. Aminul Islam; Farid Sobhani; Sadia Afrin

Addresses: Faculty of Applied and Human Sciences, Universiti Malaysia Perlis, 02600 Arau, Perlis, Malaysia; Department of Business Administration, University of Asia Pacific, 74/A Green Rd, Dhaka 1205, Bangladesh ' Faculty of Applied and Human Sciences, Universiti Malaysia Perlis, 02600 Arau, Perlis, Malaysia ' School of Business and Economics, United International University, United City, Madani Ave, Dhaka 1212, Bangladesh ' Faculty of Applied and Human Sciences, Universiti Malaysia Perlis, 02600 Arau, Perlis, Malaysia

Abstract: One of the most emerging digital platforms that are widely used today is the mobile payment system. Though developing country like Bangladesh is lagging in global findex ranking, customers are rapidly using the mobile payment system platform for their offline and online purchases. This study intends to determine the predictors that prompt customers to use mobile payment systems in Bangladesh. The extended valence framework and initial trust model were combined to facilitate this study. The proposed model incorporated three antecedents for trust: structural assurance, firm reputation, and personal propensity to trust. A questionnaire was designed and circulated through Google Forms to collect the primary data. The number of final respondents of the survey was 213. The study used the partial least square structural equation modelling (PLS-SEM) method to analyse the data. The result indicates that perceived benefit and trust are the influential predictors of mobile payment systems usage intention in Bangladesh.

Keywords: mobile payment systems; ITM; extended valence framework; structural assurance; firm reputation; personal propensity to trust.

DOI: 10.1504/IJBIS.2025.150757

International Journal of Business Information Systems, 2025 Vol.50 No.4, pp.556 - 576

Received: 25 Feb 2022
Accepted: 09 Apr 2022
Published online: 23 Dec 2025 *

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