Title: Exploring perceived value influencing intention to use towards mobile payment during COVID-19: individual differences and self-efficacy as moderators

Authors: Hwai-Shuh Shieh; Hsiu-Wei Lu

Addresses: Department of Business Administration, Shih Chien University, No. 70, Dazhi St., Zhongshan Dist., Taipei, 104, Taiwan ' Institute of Business and Management, National Yang Ming Chiao Tung University, Taipei, 100, Taiwan

Abstract: This study aims to explore the impact of perceived value, individual differences and self-efficacy of consumers towards their intention of using mobile during COVID-19. This study adopts the technology acceptance model (TAM) with individual differences and self-efficacy factors affecting consumers' intentions towards using mobile payment and employs structural equation modelling to analyse. A convenient sampling technique is used to gather data from a self-administered questionnaire. The results confirm that consumers' intention of using mobile payment was influenced by their perceived value, individual differences and self-efficacy. Perceived convenience and perceived enjoyment positively affect intention to use; however, perceived fees and perceived risk negatively influence intention to use. Moreover, this study demonstrates that innovativeness and knowledge of mobile payment both have positive effects on intention to use. Self-efficacy influences the intention to use positively as well. The current study offers a holistic understanding of significant factors influencing Taiwan consumers' intention of using mobile payment.

Keywords: perceived value; use intention; individual differences; self-efficacy; mobile payment.

DOI: 10.1504/IJTPM.2024.137855

International Journal of Technology, Policy and Management, 2024 Vol.24 No.2, pp.169 - 189

Received: 05 Sep 2022
Accepted: 09 Mar 2023
Published online: 05 Apr 2024 *

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