The Determinants of Digital Payment Systems’ Acceptance under Cultural Orientation Differences: The Case of Uncertainty Avoidance

Abstract

The digital payment method has become a pervasive payment phenomenon in the world, as in the case of Jordan Mobile Payment (JoMoPay) system which can be used to save time, effort, and cost. Consequently, the evaluation of digital payment systems is vital to ensure successful implementation and positive influences on users. The current paper expands the Unified Theory of Acceptance and Use of Technology (UTAUT2) to the study of JoMoPay system in the Jordanian context. The research's proposed model incorporates four new external constructs into UTAUT2 model, namely; awareness, security, privacy and culture. In addition, the relationships between social influence and behavioural intention to use JoMoPay system is moderated by culture. The data were collected by conducting a field survey questionnaire on 270 respondents of Jordanian public sector employees and were analyzed using Partial Least Squares (PLS) Version 3.2.3. The results mainly show that intention to use JoMoPay system is significantly and positively influenced by performance expectancy, social influence, price value, security and privacy, which together explain 0.612 of the variance of behavioural intention. Next, contrary to what is expected, culture does not moderate the relationship between social influence and intention to use JoMoPay system; and hence the related hypothesis was not supported. Lastly, more discussion regarding the theoretical and managerial contributions as well as limitations and future research are presented at the end of this paper, which completes the whole paper.