Understanding the adoption and usage of mobile payment services by using TAM3
by Mohammed-Issa Riad Mousa Jaradat; Abedalellah Mohammed Al-Mashaqba
International Journal of Business Information Systems (IJBIS), Vol. 16, No. 3, 2014

Abstract: This study aims at introducing a modified Technology Acceptance Model 3 (TAM3) to investigate key factors that affect individuals' intention to adopt and use mobile payment (M-payment) in Jordan. It also helps merchandisers avoid spending thousands or even millions of dollars that, on investments, may have minimal and modest effect on whether or not the individuals tend actually to adopt and to use. To reach such ends, a questionnaire was distributed to collect data from 475 undergraduate university students by using a proportional stratified random sample, and analysed by using a structural equation modelling (SEM). Results show that user's adoption and use of M-payment services can be anticipated from users' behavioural intentions, which are significantly affected by the following: perceived usefulness, perceived ease of use, subjective norm, image, output quality, self-efficacy, perceptions of external control, and playfulness. This study shows that there is a promising and bright future for M-payment services in Jordan as more than 62% of respondents said that they are willing to merchandise by using their mobile phones.

Online publication date: Fri, 25-Jul-2014

The full text of this article is only available to individual subscribers or to users at subscribing institutions.

Existing subscribers:
Go to Inderscience Online Journals to access the Full Text of this article.

Pay per view:
If you are not a subscriber and you just want to read the full contents of this article, buy online access here.

Complimentary Subscribers, Editors or Members of the Editorial Board of the International Journal of Business Information Systems (IJBIS):
Login with your Inderscience username and password:

    Username:        Password:         

Forgotten your password?

Want to subscribe?
A subscription gives you complete access to all articles in the current issue, as well as to all articles in the previous three years (where applicable). See our Orders page to subscribe.

If you still need assistance, please email subs@inderscience.com