M-PAYMENT BEHAVIOURAL INTENTION: REVISITING THE MODELS USING THE CASE OF SARAWAK PAY

Abstract

Background and Purpose: With the acceleration of mobile payment usage in the daily routine, this study intends to examine the determinant factors on the users’ behavioural intention on the Sarawak Pay using the theory of reasoned action (TRA), technology acceptance model (TAM), unified theory of acceptance and use of technology (UTAUT), and a modified model.
 
 Methodology: A total of 195 Sarawak Pay users was selected using the purposive sampling technique to collect their responses through the questionnaire-based online survey. The PLS-SEM was utilised to examine the proposed hypotheses.
 
 Findings: The study found that the modified model had the greatest explanatory and predictive power than the other conventional models. Moreover, the performance expectancy, facilitating conditions and attitude positively influenced the behavioural intention and use behaviour on the Sarawak Pay, while effort expectancy had a contrary effect. Furthermore, the social influence failed to impact the Sarawak Pay users’ behavioural intention and their use behaviour. 
 
 Contributions: The findings offered a clear understanding of the drivers and inhibitors that inspired the users’ behavioural intention and their use behaviour on the Sarawak Pay, as it had a critical implication for the Sarawak government. This evidence was derived from three conventional models and a modified model.
 
 Keywords: M-payment, mobile payment, unified theory of acceptance and use of technology, technology acceptance model, theory of reasoned action.
 
 Cite as: Ling, P.-S. Mohd Ossman, N. S., & Haziq Mohamad, A. H. (2023). M-payment behavioural intention: Revisiting the models using the case of Sarawak Pay. Journal of Nusantara Studies, 8(1), 68-94. http://dx.doi.org/10.24200/jonus.vol8iss1pp68-94