Merchant adoption intention of mobile payment platforms in Malaysia

Q2 Computer Science Journal of Systems and Information Technology Pub Date : 2023-12-15 DOI:10.1108/jsit-08-2022-0200

A. O. Ojo, Olawole Fawehinmi, C. Tan, Oluwayomi Toyin Ojo

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Abstract

Purpose In recent years, Malaysia has seen a dramatic change in the landscape of financial transactions due to the fast growth of mobile payment systems. This study aims to examine the technological, organisational and environmental (TOE) factors of merchants’ adoption intention to use mobile payment platforms essential for the continuing development and profitability of these cutting-edge payment options. Design/methodology/approach The research model was developed from the TOE framework and tested with the data collected from 120 merchants in Malaysia. The partial least squares structural equation modelling technique was used in analysing the collected data. Findings Technology readiness and competitor pressure were directly related to merchants' mobile payment adoption intention and indirectly through perceived strategic value. Also, perceived ease of use and perceived strategic value were significant predictors of the adoption intention of mobile payment. Originality/value This model demonstrates the relevance of TOE in explaining merchants' mobile payment adoption intention, with implications for policy and strategy to support the broader adoption of mobile payment platforms in Malaysia.

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马来西亚商户采用移动支付平台的意向

目的近年来，由于移动支付系统的快速发展，马来西亚的金融交易环境发生了巨大变化。本研究旨在探讨商户采用移动支付平台的技术、组织和环境（TOE）因素，这些因素对这些前沿支付方式的持续发展和盈利能力至关重要。研究结果技术准备程度和竞争对手压力与商家采用移动支付的意向直接相关，并通过感知战略价值间接相关。此外，感知到的易用性和感知到的战略价值也是移动支付采用意向的重要预测因素。原创性/价值该模型证明了TOE在解释商家移动支付采用意向方面的相关性，并对马来西亚支持更广泛采用移动支付平台的政策和战略产生了影响。

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来源期刊

Journal of Systems and Information Technology Computer Science-Computer Science (all)

CiteScore

4.40

自引率

0.00%

发文量

期刊介绍： The Journal provides an avenue for scholarly work that researches systems thinking applications, information systems, electronic business, data analytics, information sciences, information management, business intelligence, and complex adaptive systems in the application domains of the business environment, health, the built environment, cultural settings, and the natural environment. Papers examine the wider implications of the systems or technology being researched. This means papers consider aspects such as social and organisational relevance, business value, cognitive implications, social implications, impact on individuals or community perspectives, and the development of solutions, rather than focusing solely on the technology. The Journal of Systems and Information Technology is open to a wide range of research methodologies and paper styles including case studies, surveys, experiments, review papers, design science, design thinking and both theoretical and methodological papers. The focus of the journal will be to publish work that fits into the following broad areas of research: Behavioural Information Systems and Human-Computer Interaction, Data Analytics, Data, Information and Security, E-Business, Intelligent Systems and Applications, Logistics and Supply Chain Management/Optimisation, Social Media Analysis, Technology Enhanced Learning.