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Mobile payment system usage behaviour in an emerging economy

Zaki Ferdaous et al.

International Journal of Electronic Marketing and Retailing2025https://doi.org/10.1504/ijemr.2026.150313article
ABDC C
Weight
0.50

What the paper says

This study aims to explore the key determinants of consumers' usage behaviour (UB) of mobile payment systems with the extension of the UTAUT2 model with two additional constructs of perceived trust and perceived security. Data from a sample of 400 respondents were analysed with structural equation modelling (SEM) using SMART PLS 3 software. It was revealed that effort expectancy, perceived security, performance expectancy, facilitating conditions, perceived trust, social influence, and habit have a significant positive effect on behavioural intention (BI) and indirectly affect the M-payment UB via the mediation effect of BI. The findings may provide valuable insights to the practitioners to develop effective marketing strategies for high customer attraction and retention. This study has made a unique theoretical contribution providing additional insights on the mediating role of consumers' BI in relation to the seven predictor variables and M-payment UB in an emerging economy setting, expanding the understanding beyond prior UTAUT2-based studies that overlooked the indirect effect of related exogenous constructs on M-payment UB.

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https://doi.org/https://doi.org/10.1504/ijemr.2026.150313

Or copy a formatted citation

@article{zaki2025,
  title        = {{Mobile payment system usage behaviour in an emerging economy}},
  author       = {Zaki Ferdaous et al.},
  journal      = {International Journal of Electronic Marketing and Retailing},
  year         = {2025},
  doi          = {https://doi.org/https://doi.org/10.1504/ijemr.2026.150313},
}

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Mobile payment system usage behaviour in an emerging economy

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Evidence weight

0.50

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.50 × 0.4 = 0.20
M · momentum0.50 × 0.15 = 0.07
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.