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Integrating UTAUT with Trust and Perceived Benefits to Explain User Adoption of Mobile Payments

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Strategic System Assurance and Business Analytics

Part of the book series: Asset Analytics ((ASAN))

Abstract

This study investigates the factors affecting behavioral intentions to adopt mobile payment services by Indian citizens. The proposed model integrated factors from the unified theory of acceptance and use of technology (UTAUT) along with other important factors like perceived benefits and trust. This research model was empirically tested in New Delhi—the capital city of India, using 341 responses from a field survey. Data were analyzed using multiple regression analysis (MRA). The results showed that behavioral intention to adopt mobile payments is significantly and positively influenced by facilitating conditions, effort expectancy, performance expectancy, perceived benefits, and trust. Theoretically, this study significantly contributes to the existing knowledge specifically related to mobile payment channels and technology acceptance area in general. Practically, the study looks forward to provide the mobile payment service providers in India with suitable guidelines for effectively implementing and designing mobile payment services.

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Author information

Authors and Affiliations

  1. Symbiosis Center for Management Studies—NOIDA, Constituent of Symbiosis International (Deemed University), Pune, India

    Rishi Manrai & Kriti Priya Gupta

Authors
  1. Rishi Manrai
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  2. Kriti Priya Gupta
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Corresponding author

Correspondence to Rishi Manrai .

Editor information

Editors and Affiliations

  1. Amity Center for Interdisciplinary Research, Amity University, Noida, India

    P. K. Kapur

  2. Department of Operational Research, University of Delhi, New Delhi, Delhi, India

    Ompal Singh

  3. Amity University, Tashkent, Uzbekistan

    Sunil Kumar Khatri

  4. Western Norway University of Applied Sciences, Haugesund, Norway

    Ajit Kumar Verma

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Manrai, R., Gupta, K.P. (2020). Integrating UTAUT with Trust and Perceived Benefits to Explain User Adoption of Mobile Payments. In: Kapur, P.K., Singh, O., Khatri, S.K., Verma, A.K. (eds) Strategic System Assurance and Business Analytics. Asset Analytics. Springer, Singapore. https://doi.org/10.1007/978-981-15-3647-2_9

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