An empirical investigation on acceptance of mobile payment system services in Jordan: extending UTAUT2 model with security and privacy

Several developed and developing countries have launched a mobile payment system service, which is known in Jordan as Jordan Mobile Payment (JoMoPay) system to overcome the drawbacks of traditional payment system. The system supports payment transactions by utilising mobile phones applications. However, the acceptance of JoMoPay system in Jordan is still below the level of expectation. This study was undertaken to understand and explain the acceptance of JoMoPay system based on extending the unified theory of acceptance and use of technology (UTAUT2) model in the Jordanian context. The model was extended by considering two additional constructs namely; security and privacy. Utilising a self-reported survey, collected data was analysed using structural equation modelling (SEM) to test the research model. Five constructs were found to be the determinants of behavioural intention to use JoMoPay system, namely performance expectancy, social influence, price value, security and privacy. Together they account for 61.4% of the variance in behavioural intention. However, effort expectancy, facilitating condition and hedonic motivation did not have a significant impact on behavioural intention to use JoMoPay system and hence the related hypotheses were not supported. Lastly, conclusions, limitations and future research directions will be discussed further in the last section of the paper.