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What Influences Urbanites’ Mobile Payment Adoption? The Moderating Roles of Demographic Divides

Ong Choon Hee, Koo Nyuk Ying, Tan Owee Kowang and Lim Lee Ping

Pertanika Journal of Tropical Agricultural Science, Volume 28, Issue 4, December 2020

DOI: https://doi.org/10.47836/pjssh.28.4.42

Keywords: Demographic divides, mobile payment adoption, technology adoption factors, urbanites

Published on: 24 December 2020

This study examines the moderating roles of demographic divides, such as gender, income, and education, on factors influencing mobile payment adoption among urbanites in Malaysia. An online survey questionnaire was used for data collection, which yielded 428 responses. PLS-SEM was employed to assess validity, reliability, hypothesis testing, and PLS-MGA of the study constructs. The findings of this paper revealed that perceived security, perceived ease of use, perceived usefulness, and trust were significantly related to mobile payment adoption. Gender, income, and education were found to moderate the results. This research provides important information to service providers, banking institutions, and the government to understand factors influencing mobile payment adoption and consider demographic characteristics of gender, income, and education in mobile payment adoption. This study explains the moderating effects of demographic divides on mobile payment adoption among urbanites that are rarely addressed in Malaysia.

ISSN 1511-3701

e-ISSN 2231-8542

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