An integrated framework for mobile payment in Pakistan : drivers, barriers, and facilitators of usage behavior

Muhammad, Ali and Syed Ali, Raza and Faiza, Hakim and Puah, Chin Hong and Chaw, Lee Yen (2024) An integrated framework for mobile payment in Pakistan : drivers, barriers, and facilitators of usage behavior. Journal of Financial Services Marketing, 29. pp. 257-275. ISSN 1479-1846

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Abstract

The research aims to investigate the impact of theoretical drivers, facilitators, and barriers on the intention to adopt m-payment. It further examines the impact of the intention to adopt m-payment on usage behavior. Partial least squares structural equation modeling was used based on a suitable sample of 408 participants in Karachi, Pakistan. The fndings contribute to a greater understanding of the factors that infuence customer decision-making and, as a result, the adoption intention of mobile payment in Pakistan. Instead of relying on a single theory, the performed study presents an inclusive strategy for researchers by combining three recognized theories connected to technology acceptance. This research is conducted on a limited number of participants in Karachi, Pakistan. The survey should be conducted also be conducted internationally to obtain more comprehensive results; it could also be benefcial to determine customer preferences toward mobile payment systems in other nations. Limited literature was found that argued the intention to adopt m-payment and its impact on user behavior in the Pakistani context. Moreover, no studies were found that refected and discussed the impact of barriers, theoretical drivers, and facilitators on m-payment.

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