感知有用性对推动约旦电子钱包采用的消费者行为的中介影响

Q1 Economics, Econometrics and Finance

Journal of Open Innovation: Technology, Market, and Complexity Pub Date : 2025-09-24 DOI:10.1016/j.joitmc.2025.100651

Ali Matar , Ahmad Nader Aloqaily

{"title":"感知有用性对推动约旦电子钱包采用的消费者行为的中介影响","authors":"Ali Matar , Ahmad Nader Aloqaily","doi":"10.1016/j.joitmc.2025.100651","DOIUrl":null,"url":null,"abstract":"<div><div>The growing dependenceon mobile technology and the drive for financial inclusivity in the developing world are driving the use of e-wallets as a key agenda for governments and FinTech solution providers. The objective of this research is to examine the factorsthat influence consumers' intention to adopt e-wallet services in Jordan, with Perceived Usefulness (PU) serving as a mediating variable. Based on the extended TAM Model, the study examines the direct and indirect impacts of trust, PEOU (PEOU), and perceived security on behavioural intention through PU. This study employed a quantitative cross-sectional design utilizing a pre-tested, self-administered. A sample of 400 Jordaniansmartphone users experienced in using the MFS. SPSS was used for descriptive statistical analysis, and Smart PLS 4.0 wasused for the SEM. Validity and reliability tests supported the soundness of the measurement model, with all constructs demonstrating Cronbach's alphaand composite reliability values that exceeded the recommended benchmarks. Trust and PU had a significant positive effect on behavioural intention (trust: β = 0.370, p < 0.001; PU: β = 0.314,p < 0.001). Trust (β = 0.550, p < 0.001) and PEOU (β = 0.293, p < 0.001) alsohad a significant effect on PU. The results of the mediation analysis by bootstrapping (See Table 2) demonstrate, onthe one hand, that PEOU and trust influence BEI through PU (p < 0.001). The results highlight the significance of enhancing PU to increase adoption levels in Jordan and similar settings. This paper adds value by extending TAM Model through the centrality of PU as a mediating factor indigital finance adoption. Theoretically, this has implications for both positive technology and technology adoption theories, as well as for studies that adopt the UTAUT framework. From an analytical viewpoint, it provides practical thoughts for FinTech developers, marketers, andpolicymakers to close the gap between technological availability and user adoption.</div></div>","PeriodicalId":16678,"journal":{"name":"Journal of Open Innovation: Technology, Market, and Complexity","volume":"11 4","pages":"Article 100651"},"PeriodicalIF":0.0000,"publicationDate":"2025-09-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"The mediating influence of perceived usefulness on consumer behaviour towards driving e-wallet adoption in Jordan\",\"authors\":\"Ali Matar , Ahmad Nader Aloqaily\",\"doi\":\"10.1016/j.joitmc.2025.100651\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<div><div>The growing dependenceon mobile technology and the drive for financial inclusivity in the developing world are driving the use of e-wallets as a key agenda for governments and FinTech solution providers. The objective of this research is to examine the factorsthat influence consumers' intention to adopt e-wallet services in Jordan, with Perceived Usefulness (PU) serving as a mediating variable. Based on the extended TAM Model, the study examines the direct and indirect impacts of trust, PEOU (PEOU), and perceived security on behavioural intention through PU. This study employed a quantitative cross-sectional design utilizing a pre-tested, self-administered. A sample of 400 Jordaniansmartphone users experienced in using the MFS. SPSS was used for descriptive statistical analysis, and Smart PLS 4.0 wasused for the SEM. Validity and reliability tests supported the soundness of the measurement model, with all constructs demonstrating Cronbach's alphaand composite reliability values that exceeded the recommended benchmarks. Trust and PU had a significant positive effect on behavioural intention (trust: β = 0.370, p < 0.001; PU: β = 0.314,p < 0.001). Trust (β = 0.550, p < 0.001) and PEOU (β = 0.293, p < 0.001) alsohad a significant effect on PU. The results of the mediation analysis by bootstrapping (See Table 2) demonstrate, onthe one hand, that PEOU and trust influence BEI through PU (p < 0.001). The results highlight the significance of enhancing PU to increase adoption levels in Jordan and similar settings. This paper adds value by extending TAM Model through the centrality of PU as a mediating factor indigital finance adoption. Theoretically, this has implications for both positive technology and technology adoption theories, as well as for studies that adopt the UTAUT framework. From an analytical viewpoint, it provides practical thoughts for FinTech developers, marketers, andpolicymakers to close the gap between technological availability and user adoption.</div></div>\",\"PeriodicalId\":16678,\"journal\":{\"name\":\"Journal of Open Innovation: Technology, Market, and Complexity\",\"volume\":\"11 4\",\"pages\":\"Article 100651\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2025-09-24\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of Open Innovation: Technology, Market, and Complexity\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://www.sciencedirect.com/science/article/pii/S2199853125001866\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q1\",\"JCRName\":\"Economics, Econometrics and Finance\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Open Innovation: Technology, Market, and Complexity","FirstCategoryId":"1085","ListUrlMain":"https://www.sciencedirect.com/science/article/pii/S2199853125001866","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"Economics, Econometrics and Finance","Score":null,"Total":0}

引用次数: 0

摘要

发展中国家对移动技术的日益依赖以及对金融包容性的推动，正推动电子钱包的使用成为政府和金融科技解决方案提供商的一个关键议程。本研究的目的是研究影响约旦消费者采用电子钱包服务意愿的因素，感知有用性（PU）作为中介变量。基于扩展的TAM模型，本研究通过PU检验了信任、PEOU （PEOU）和感知安全对行为意愿的直接和间接影响。本研究采用定量横断面设计，利用预先测试，自我管理。400名约旦智能手机用户使用过MFS。采用SPSS进行描述性统计分析，SEM采用Smart PLS 4.0。效度和信度测试支持了测量模型的可靠性，所有结构都证明了Cronbach的alpha和复合信度值超过了推荐的基准。信任和PU对行为意向有显著的正向影响（信任：β = 0.370, p <； 0.001;PU: β = 0.314, p <； 0.001）。Trust （β = 0.550, p <； 0.001）和PEOU （β = 0.293, p <； 0.001）对PU也有显著影响。自举的中介分析结果（见表2）表明，一方面，PEOU和信任通过PU影响BEI （p <； 0.001）。结果强调了提高PU对提高约旦和类似国家的采用率的重要性。本文通过对TAM模型的扩展，通过PU的中心性作为数字金融采用的中介因素来增加价值。从理论上讲，这对积极技术和技术采用理论以及采用UTAUT框架的研究都有影响。从分析的角度来看，它为金融科技开发者、营销人员和政策制定者提供了实用的思路，以缩小技术可用性和用户采用之间的差距。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

查看原文本刊更多论文

The mediating influence of perceived usefulness on consumer behaviour towards driving e-wallet adoption in Jordan

The growing dependence on mobile technology and the drive for financial inclusivity in the developing world are driving the use of e-wallets as a key agenda for governments and FinTech solution providers. The objective of this research is to examine the factors that influence consumers' intention to adopt e-wallet services in Jordan, with Perceived Usefulness (PU) serving as a mediating variable. Based on the extended TAM Model, the study examines the direct and indirect impacts of trust, PEOU (PEOU), and perceived security on behavioural intention through PU. This study employed a quantitative cross-sectional design utilizing a pre-tested, self-administered. A sample of 400 Jordanian smartphone users experienced in using the MFS. SPSS was used for descriptive statistical analysis, and Smart PLS 4.0 was used for the SEM. Validity and reliability tests supported the soundness of the measurement model, with all constructs demonstrating Cronbach's alpha and composite reliability values that exceeded the recommended benchmarks. Trust and PU had a significant positive effect on behavioural intention (trust: β = 0.370, p < 0.001; PU: β = 0.314, p < 0.001). Trust (β = 0.550, p < 0.001) and PEOU (β = 0.293, p < 0.001) also had a significant effect on PU. The results of the mediation analysis by bootstrapping (See Table 2) demonstrate, on the one hand, that PEOU and trust influence BEI through PU (p < 0.001). The results highlight the significance of enhancing PU to increase adoption levels in Jordan and similar settings. This paper adds value by extending TAM Model through the centrality of PU as a mediating factor in digital finance adoption. Theoretically, this has implications for both positive technology and technology adoption theories, as well as for studies that adopt the UTAUT framework. From an analytical viewpoint, it provides practical thoughts for FinTech developers, marketers, and policymakers to close the gap between technological availability and user adoption.