Research Review by Gambo Idris

 Registration Closed
Date: 2020-03-11 10:00

Venue: VIVA Room, Level 7, School of Computer Sciences, Universiti Sains Malaysia

TARGET AUDIENCE: CS Postgraduate (by Research) Students 


There will be a seminar by Mr. Gambo Idris and details of the seminar as follows:


Main Supervisor: - Dr. Mohd Heikal Husin

Date: - 11/03/2020 (Wednesday)   Time:- 10.00 am

Venue: VIVA Room, Level 7 - School of Computer Sciences

Abstract:- The digital economy is becoming a reality. Business all over the world is moving towards the digital platform, and so is the payment option. The mobile application is becoming one of the easiest and fastest options for making payments and is predicted to have a very large potential in the days to come. Despite a mobile phone penetration of 123% in Nigeria, only 0.56% of customers use mobile payment channels to perform an economic transaction. Thus, irrespective of the continuous increase in the number of mobile phone owners, peoples’ use of mobile payment in Nigeria, a West African country, is quite low compared to other parts of developing countries such as South Africa and Kenya. The purpose of this study is to integrate some security-related factors, system-related factors and individual difference factors into the basic TAM to explore mobile payment adoption, particularly NFC proximity payment, among Nigerian bank consumers. Empirical data from 453 bank customers were tested against a proposed model using partial least squares structural equation modelling. The results of this study show that system-related factors (ease of use, usefulness and transaction convenient), security-related factors (security, trust and financial risk), and individual difference factor (technology awareness) significantly influence the bank customer’s behavioural intention to adopt the NFC proximity payment technology. The technology awareness, security and usefulness have relatively stronger effects being higher predictors of intentions in this study. Equally, financial risk, trust and ease of use have relatively lower effects on the NFC mobile payment technology adoption intention. On the other hand, smartphone cost surprisingly appeared as a non-significant predictor of NFC proximity payment adoption in this study.Additionally, the empirical results show that the customer innovativeness significantly moderated the relationships between the usefulness of the NFC proximity payment and intention to adopt it, then between the trust in the technology and intention to adopt the NFC proximity payment, and between security and intention to adopt the NFC proximity payment technology as well as between smartphone cost and intention to adopt the NFC proximity payment technology. Correspondingly, for the user absorptive capacity, that it increases intention of use by introducing significant differences between the usefulness and the intention to adopt the NFC proximity payment technology as well as the influences between perceived trust and the intention to adopt the NFC proximity payment technology. Therefore, this study recommends that bank decision-makers, Nigerian government policymakers, and telecommunication companies, need to know and understand the antecedents affecting behavioural intention suggested by the extended technology acceptance model (ETAM). Consequently, mobile payment adoption for bank customers will increase in developing countries (Nigeria). The study successfully extended the traditional TAM model by integrating individual difference factors, security-related factors and system-related factors to it.


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All Dates

  • 2020-03-11 10:00

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