Title: A study on the extension of TAM model with TPB in the adoption of mobile payment applications

Authors: M. Dhanya; G. Rejikumar; Ashish Joy

Addresses: Department of Management, Amrita Vishwavidyapeetham, Kochi, Kerala, 682041, India ' Department of Management, Amrita Vishwavidyapeetham, Kochi, Kerala, 682041, India ' Department of Management, Amrita Vishwavidyapeetham, Kochi, Kerala, 682041, India

Abstract: The introduction of social distancing norms and lockdown steps countries has taken to curb the Covid-19 pandemic has seen a rise in the usage of mobile payment apps that support the Digital India initiative. Primary data was collected from the opinion shared by the digital payments application users through a questionnaire to grasp the assorted apprehensions concerning the payments apps. The user-generated data were analysed to investigate the dormant sentiments and to spot major domains wherever interference is needed to create the payment applications more user friendly and acceptable. A structural equation model of extended technology acceptance model (TAM) has been developed using Warp PLS. It is observed that consumer behaviour, process satisfaction, and customer service have a significant relationship with perceived usefulness. Security concern and customer support have a significant relationship with perceived ease of use.

Keywords: mobile payment applications; technology acceptance model; TAM; SEM analysis; TPB.

DOI: 10.1504/IJBIS.2024.142293

International Journal of Business Information Systems, 2024 Vol.47 No.2, pp.190 - 201

Received: 27 Dec 2020
Accepted: 29 Apr 2021
Published online: 17 Oct 2024 *

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