Behavioural Intentions to Embrace Technology: An Empirical Investigation of Orientation towards Usage of M-payment Methods

Abstract

This research paper aims to innumerate the antecedentsinfluencing mobile payment (m-payment) adoption intention inIndia by taking technology acceptance model as theoretical base.Along with the construct of TAM, two additional user-centric constructs i.e. subjective norms and perceived trustwere incorporated to assess m-payment adoptionintention.The analysis was done using descriptive analysis,karlpearsoncoefficient of correlation and stepwise regression on data collected from 397 m-payment service users, by an offline survey conducted via structured questionnaires. The results display that perceived ease of use, perceived usefulness,subjective norms, and perceived trust have a significant positive effect on m-paymentadoptionintention. Results of this research portrayvaluable theoretical as well as practicalimplications, for both marketers and policy makers particularly for formulation of strategies keeping in viewthe key user-centric determinantsinfluencing m-payment adoption.