Title: Mobile payment adoption by citizens of tier-II cities with special reference to COVID-19: extending UTAUT with intrinsic motivation and perceived credibility

Authors: Anu Sahi; Rishi Manrai

Addresses: School of Management, Apeejay Institute of Management & Engineering, Technical Campus, Jalandhar, India ' Amity Business School, Amity University, Manesar, Gurgaon, India

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.

Keywords: mobile payment; intrinsic motivation; perceived credibility; UTAUT2; adoption; COVID-19; structural equation modelling; SEM.

DOI: 10.1504/IJBIS.2023.129724

International Journal of Business Information Systems, 2023 Vol.42 No.3/4, pp.458 - 477

Received: 07 Aug 2021
Accepted: 07 Oct 2021

Published online: 21 Mar 2023 *

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