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Testing the Technology Readiness and Acceptance Model for Mobile Payments Across Germany and South Africa

Miriam Martens

Detecon International GmbH, Sternengasse 14-16, D-50676 Cologne, Germany

E-mail Address: Miriam.Martens@detecon.com

Corresponding author.

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Oliver Roll

HS Osnabrück, Faculty of Business Administration and Social Sciences, Caprivistrasse 30, D-49076 Osnabrueck, Germany

E-mail Address: roll@wi.hs-osnabrueck.de

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, and

Roger Elliott

University of Fort Hare, Department of Business Management, East London 5201, South Africa

E-mail Address: Relliott@ufh.ac.za

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https://doi.org/10.1142/S021987701750033XCited by:32 (Source: Crossref)

Abstract

The acceptance of mobile payments has been limited. This paper, therefore, attempts to investigate the determinants of mobile payment adoption. To this end, it examines the relationships between the personality trait dimensions of the Technology Readiness Index 2.0 and the system-specific dimensions of the Technology Acceptance Model in Germany and South Africa. The model was tested using structural equation modeling. Results show that some, but not all, of the Technology Readiness Index 2.0 variables had a significant influence on the dimensions of the Technology Acceptance Model. Perceived Usefulness was the strongest predictor of the intention to use mobile payments. The factor “country” did not moderate the structural relationships.

Keywords:

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