Title: Technology, organisation and environment factor on mobile payment implementation: focus on SMEs in Malaysia

Authors: Seuk Wai Phoong; Seuk Yen Phoong; Shuang Tien Ho

Addresses: Department of Operations and Management Information Systems, Faculty of Business and Accountancy, Universiti Malaya, Jalan Universiti, 50603 Kuala Lumpur, Malaysia ' Department of Mathematics, Faculty of Science and Mathematics, Universiti Pendidikan Sultan Idris, 35900 Tanjong Malim, Perak, Malaysia ' Department of Operations and Management Information Systems, Faculty of Business and Accountancy, Universiti Malaya, Jalan Universiti, 50603 Kuala Lumpur, Malaysia

Abstract: The rapid development of mobile technology resulted in the advent of mobile commerce, which is the disruption to the cash-dominated small and medium enterprises (SMEs). This paper details the investigation into the readiness and factors affecting mobile payment systems' implementation by SMEs in Malaysia using the technology-organisation-environment (TOE) framework. The results indicated that all TOE framework dimensions are significant for SMEs implementing mobile payment systems in Malaysia. In the case of the critical determinants, security concerns, relative advantages, and top management support are the top factors impacting SMEs when deciding to implement mobile payment systems.

Keywords: mobile payment system; technology; organisation; environment; SMEs; Malaysia.

DOI: 10.1504/IJMC.2022.125420

International Journal of Mobile Communications, 2022 Vol.20 No.5, pp.519 - 540

Received: 10 Feb 2020
Accepted: 06 Jan 2021
Published online: 09 Sep 2022 *

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