Idris, Gambo
(2021)
Factors Influencing Intention To
Adopt Near Field Communication (Nfc)
Proximity Payment Technology
Among Bank Customers In Lagos,
Nigeria.
PhD thesis, Perpustakaan Hamzah Sendut.
Abstract
Regardless of the persistent increase in the number of mobile phone owners,
peoples' use of mobile payment in Nigeria is very low compared to other parts of
developing countries. This study aims to link security-related, system-related, and
individual difference factors into the fundamental Technology Acceptance Model
(TAM) to investigate mobile payment adoption, particularly Near Field
Communication (NFC) proximity payment, among Nigerian bank customers. The
study utilized a self-administered questionnaire to collect the data among the bank
customers in Lagos state Nigeria. It then utilized Partial Least Square Structural
Equation Modeling (PLS-SEM) to test the hypothesized model. However, the results
of the study show that while the technology awareness, security, and usefulness have
relatively stronger effects being higher predictors of intentions in the study, the
financial risk, trust, and ease of use have relatively lower impacts on the NFC
proximity payment technology adoption intention. Equally, the study empirically
confirmed the moderating effects of both customer innovativeness and user
absorptive capacity on the relationships between the ETAM constructs and 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 behavioral
intention suggested by the ETAM.
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