Exploring Users’ Intentions for Using Mobile payment Applications, Based on Unified Theory of Acceptance and Use of Technology Theory

The objective of this study is to assess the behavioral intention (BI) of users to use Mobile-Payment based on their behavior. The study used the convenience sampling technique to collect the data from users. 198 questionnaires were analyzed by Smart-PLS 3 to assess the proposed model. The results showed that performance expectancy, facilitating conditions, Social influence, and Trust has a positive and significant impact on BI to use of Mobile Payment. in contrast, the Effort expectancy has an insignificant impact on BI to use M-payment. This study could provide insights that can be valuable for businesses and developers in designing and promoting mobile payment applications that cater to users' preferences and needs.