Title: E-payment adoption in Jordan: UTAUT model moderated by anxiety

Authors: Sahem Nawafleh

Addresses: Department of Public Administration, Faculty of Economic and Administrative Sciences, Yarmouk University, Jordan

Abstract: 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.

Keywords: e-payment; UTAUT; adoption; determinants; anxiety; Jordan.

DOI: 10.1504/IJPM.2023.134632

International Journal of Procurement Management, 2023 Vol.18 No.4, pp.546 - 564

Received: 27 Apr 2022
Accepted: 07 Jul 2022
Published online: 01 Nov 2023 *

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