Title: Investigating the role of innovativeness, technology acceptance model and theory of planned behaviour towards adoption of QR mobile payment system

Authors: Samar Rahi; Maham Zaheer; Mahmoud Alghizzawi; Abdul Hafaz Ngah

Addresses: Hailey College of Banking and Finance, University of the Punjab, Lahore, Pakistan ' Hailey College of Banking and Finance, University of the Punjab, Lahore, Pakistan ' Applied Science Private University, Amman, Jordan ' Universiti Malaysia Terengganu (UMT), Terengganu, Malaysia

Abstract: This research aims to investigate user behaviour to adopt QR mobile payment system. The research framework comprises factors such as usefulness, ease of use, subjective norm, convenience, transaction speed and innovativeness and assess user attitude to adopt QR mobile payment system. Results of the structural equation modelling approach revealed significant impact of usefulness, ease of use, subjective norm, convenience, transaction speed and innovativeness on user attitude and adoption of QR mobile payment system. This study has suggested that policy makers must emphasises on technology usefulness, ease of use, subjective norm, convenience, transaction speed and innovativeness to promote QR mobile payment among technology users. To extend the knowledge in QR mobile payment system the moderating effect of optimism is evaluated between user attitude and user intention to adopt QR mobile payment system. Nevertheless, moderating impact of optimism was found insignificant between use attitude and intention to adopt QR mobile payment.

Keywords: technology acceptance model; TAM; innovation; QR code payment; transaction speed; optimism; adoption of QR code.

DOI: 10.1504/IJBIR.2026.155661

International Journal of Business Innovation and Research, 2026 Vol.40 No.4, pp.450 - 465

Received: 19 Sep 2022
Accepted: 05 Mar 2023
Published online: 10 Aug 2026 *

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