Acceptance of mobile payments by retailers using UTAUT model

Nor Hapiza Mohd Ariffin, Fauziah Ahmad, Umar Mohd Haneef


Mobile payment is a form of payment transaction processing where the payer utilizes mobile communication methods together with mobile devices to initiate, authorize or complete payment. Hence, with the huge increase in mobile device usage, the retail sector will be able to collect large volumes of data. Unfortunately, most Malaysians still do not make full use of digital payments or cashless payments. Consumers in South East Asia still tend to use money or bank cards, and companies have been "limitedly effective" in encouraging a cashless revolution. The objective of this study was to identify the acceptance of mobile payment by retailers, the factors that contribute to the acceptance of mobile payment and the relationship between the factors were also the aim of this research. Several factors were contributing to mobile payments such as performance expectancy, effort expectancy, social influence, facilitating conditions, habit, privacy, perceived security and intentions which was based on the UTAUT model. This study used questionnaires to collect data and the data analysis was carried out using SPSS software. Based on the analysis that has been conducted, it can be seen that all the hypotheses of this research have a significant relationship except for the relationship between privacy and intentions that has a negative linear relationship. It is hoped that this research will give values to retailers with an understanding of the contributing factors that affect their acceptance of mobile payment technology in the retailing business.


Mobile payment; UTAUT model; Retailers

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