首页|E-payment adoption in Jordan: UTAUT model moderated by anxiety
E-payment adoption in Jordan: UTAUT model moderated by anxiety
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This paper attempts to identify the factors that shape customer adoption of e-payment in Jordan. The study is guided by the unified theory of acceptance and use of technology (UTAUT), which proposes four factors: performance expectancy (PE), effort expectancy (EE), social influence (SI), and facilitating conditions (FC). The study also suggests anxiety as an adverse moderator. A quantitative-deductive causal approach based on cross-sectional data was adopted. Using a self-administered questionnaire, data was collected from (n = 411) participants in Jordan. SEM-AMOS was used to conduct statistical analysis. Findings reported that factors of UTAUT, along with anxiety, explained (R2 = 50%) of the variance in behavioural intention (BI). PE was the strongest determinant (49%), whereas EE was not seen to achieve a significant effect. The moderator, anxiety, was partially supported. Following the gathered results, implications were provided.
e-paymentUTAUTadoptiondeterminantsanxietyJordan
Sahem Nawafleh
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Department of Public Administration, Faculty of Economic and Administrative Sciences, Yarmouk University