How to cite this paper
Bahaj, S. (2025). Student's perception of mobile payment application using TAM model: An empirical study in Saudi Arabia.International Journal of Data and Network Science, 9(1), 87-96.
Refrences
Alomau, G. P. & Ellyawati, J. (2021). Determinant of Continuance Usage Intention of Mobile Payment Application Using Ex-tended Tam Model. Conference Series, 3(1), 498-508. https://doi.org/10.34306/conferenceseries.v3i1.384
Ajzen, I., & Fishbein, M. (1980). Understanding Attitudes and Predicting Social Behaviour. Prentice-Hall Inc.
Ajzen, I. (1991). The theory of planned behavior. Organizational behavior and human decision processes, 50(2), 179-211. https://doi.org/10.1016/0749-5978(91)90020-T
Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Williams, M. D. (2016). Consumer adoption of mobile banking in Jordan: Ex-amining the role of usefulness, ease of use, perceived risk and self-efficacy. Journal of Enterprise Information Manage-ment, 29(1), 118-139. https://doi.org/10.1108/JEIM-04-2015-0035
Aldammagh, Z., Abdeljawad, R., & Obaid, T. (2021). Predicting mobile banking adoption: An integration of TAM and TPB with trust and perceived risk. Financial Internet Quarterly, 17(3), 35-46. DOI: https://doi.org/10.2478/fiqf-2021-0017
Altwairesh, R., & Aloud, M. (2021). Mobile Payments from Merchants' Perspective: An Empirical Study Using the TAM Model in Saudi Arabia. International Journal of Computer Science & Network Security, 21(8), 317-326. https://doi.org/10.22937/IJCSNS.2021.21.8.41
Asamoah, D., Takieddine, S., & Amedofu, M. (2020). Examining the effect of mobile money transfer (MMT) capabilities on business growth and development impact. Information Technology for Development, 26(1), 146-161. doi: https://doi.org/10.1080/02681102.2019.1599798.
Behera, C. K., & Kumra, R. (2024). Two decades of mobile payment research: A systematic review using the TCCM ap-proach. International Journal of Consumer Studies, 48(1), e13003. https://doi.org/10.1111/ijcs.13003
Belanche, D., Guinalíu, M., & Albás, P. (2022). Customer adoption of p2p mobile payment systems: The role of perceived risk. Telematics and Informatics, 72, 101851. https://doi.org/10.1016/j.tele.2022.101851
Chandra, S., Srivastava, S. C., & Theng, Y. L. (2010). Evaluating the role of trust in consumer adoption of mobile payment systems: An empirical analysis. Communications of the association for information systems, 27(1), 29. https://doi.org/10.17705/1CAIS.02729
Davis, F.D. (1989). Perceived usefulness, perceived ease of use and user acceptance of information technology. MIS Quarter-ly, 13(3), 319-339. https://doi.org/10.2307/249008
de Sena Abrahão, R., Moriguchi, S. N., & Andrade, D. F. (2016). Intention of adoption of mobile payment: An analysis in the light of the Unified Theory of Acceptance and Use of Technology (UTAUT). RAI Revista de administracao e Inova-cao, 13(3), 221-230. https://doi.org/10.1016/j.rai.2016.06.003
Dwivedi, Y. K., Rana, N. P., Janssen, M., Lal, B., Williams, M. D., & Clement, M. (2017). An empirical validation of a unified model of electronic government adoption (UMEGA). Government Information Quarterly, 34(2), 211-230. https://doi.org/10.1016/j.giq.2017.03.001
Dzandu, M. D., Hanu, C., & Amegbe, H. (2022). Gamification of mobile money payment for generating customer value in emerging economies: The social impact theory perspective. Technological Forecasting and Social Change, 185, 122049. https://doi.org/10.1016/j.techfore.2022.122049
El-Kassem, R. C., Al-Kubaisi, A. S., Al Naimi, M. M., Al-Hamadi, A. M., & Al-Rakeb, N. A. (2020). Path analytic investiga-tion of the intention to adopt E-government services through mobile applications in Qatar (tam revisited). International Journal of Advanced Research in Engineering and Technology, 11(6). DOI: 10.34218/IJARET.11.6.2020.012
Eze, U. C., Gan, G. G. G., Ademu, J., & Tella, S. A. (2008). Modelling user trust and mobile payment adoption: a conceptual Framework. Communications of the IBIMA, 3(29), 224-231.
Fan, J., Shao, M., Li, Y., & Huang, X. (2018). Understanding users’ attitude toward mobile payment use: A comparative study between China and the USA. Industrial Management & Data Systems, 118(3), 524-540. https://doi.org/10.1108/IMDS-06-2017-0268
Franque, F. B., Oliveira, T., & Tam, C. (2021). Understanding the factors of mobile payment continuance intention: empirical test in an African context. Heliyon, 7(8). https://doi.org/10.1016/j.heliyon.2021.e07807
Gupta, S. K., Tiwari, S., Hassan, A., & Gupta, P. (2023). Moderating Effect of Technologies into Behavioural Intensions of Tourists toward Use of Mobile Wallets for Digital Payments: TAM Model Perspective. International Journal of Hospitali-ty & Tourism Systems, 16(1).
Ha, D., Şensoy, A., & Phung, A. (2023). Empowering mobile money users: The role of financial literacy and trust in Vi-etnam. Borsa Istanbul Review, 23(6), 1367-1379. https://doi.org/10.1016/j.bir.2023.10.009
Hameed, I., Akram, U., Khan, Y., Khan, N. R., & Hameed, I. (2024). Exploring consumer mobile payment innovations: An in-vestigation into the relationship between coping theory factors, individual motivations, social influence and word of mouth. Journal of Retailing and Consumer Services, 77, 103687. https://doi.org/10.1016/j.jretconser.2023.103687
Hulin, C. (2001). Can a reliability coefficient be too high?. J Consum Psychol, 10(1–2), 55.
Kamal Abdella, A., Taha, I. M., & Elnady, M. A. (2022). Using TAM to Evaluate the Effect of intensive usage of Digital Pay-ment in Egypt. 1 https://doi.org/10.21203/rs.3.rs-1589828/v1
Karjaluoto, H., Jayawardhena, C., Leppäniemi, M., & Pihlström, M. (2012). How value and trust influence loyalty in wireless telecommunications industry. Telecommunications policy, 36(8), 636-649. https://doi.org/10.1016/j.telpol.2012.04.012
Kavitha, K., & Kannan, D. D. (2020). Factors influencing consumers attitude towards mobile payment applica-tions. International Journal of Management, 11(4), 140-150.
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile pay-ment. Computers in human behavior, 26(3), 310-322. https://doi.org/10.1016/j.chb.2009.10.013
Lee, C. Y., Tsao, C. H., & Chang, W. C. (2015). The relationship between attitude toward using and customer satisfaction with mobile application services: An empirical study from the life insurance industry. Journal of Enterprise Information Man-agement, 28(5), 680-697. https://doi.org/10.1108/JEIM-07-2014-0077
Li, J., Wang, J., Wangh, S., & Zhou, Y. (2019). Mobile payment with alipay: An application of extended technology ac-ceptance model. IEEE Access, 7, 50380-50387.
Liébana-Cabanillas, F., Ramos de Luna, I., & Montoro-Ríos, F. J. (2015). User behaviour in QR mobile payment system: the QR Payment Acceptance Model. Technology Analysis & Strategic Management, 27(9), 1031-1049. https://doi.org/10.1080/09537325.2015.1047757
Lule, I., Omwansa, T. K., & Waema, T. M. (2012). Application of technology acceptance model (TAM) in m-banking adoption in Kenya. International journal of computing & ICT research, 6(1), 31-43.
Moorthy, K., Chun T'ing, L., Chea Yee, K., Wen Huey, A., Joe In, L., Chyi Feng, P., & Jia Yi, T. (2020). What drives the adop-tion of mobile payment? A Malaysian perspective. International Journal of Finance & Economics, 25(3), 349-364. https://doi.org/10.1002/ijfe.1756
Mugo, D. G., Njagi, K., Chemwei, B., & Motanya, J. O. (2017). The technology acceptance model (TAM) and its application to the utilization of mobile learning technologies. British Journal of Mathematics & Computer Science, 20(4), 1-8.
Qi, J., Li, L., Li, Y., & Shu, H. (2009). An extension of technology acceptance model: Analysis of the adoption of mobile data services in China. Systems Research and Behavioral Science: The Official Journal of the International Federation for Sys-tems Research, 26(3), 391-407. https://doi.org/10.1002/sres.964
Rabbani, M. R. (2020). The competitive structure and strategic positioning of commercial banks in Saudi Ara-bia. International Journal on Emerging Technologies, 11(3), 43-46.
Rupp, W. T., & Smith, A. D. Strategic Distribution within the Context of e-Commerce: Effect on Distributors and Re-Sellers. e-Business & IT, 10.
Saif, N., Khan, I. U., & Khan, G. A. (2020). Investigating the impact of mobile application on learning among teachers based on technology acceptance model (TAM). Glob. Educ. Stud. Rev, 2, 45-54. https://doi.org/10.31703/gesr.2020(V-II).06
Singh, J., & Singh, M. (2023). Fintech applications in social welfare schemes during Covid times: An extension of the classic TAM model in India. International Social Science Journal, 73(250), 979-998. https://doi.org/10.1111/issj.12406
Venkatesh, V., & Bala, H. (2008). Technology acceptance model 3 and a research agenda on interventions. Decision scienc-es, 39(2), 273-315. https://doi.org/10.1111/j.1540-5915.2008.00192.x
Wang, G., & Shin, C. (2022). Influencing factors of usage intention of metaverse education application platform: Empirical evidence based on PPM and TAM models. Sustainability, 14(24), 17037. https://doi.org/10.3390/su142417037
Zmijewska, A., Lawrence, E., & Steele, R. (2004). Towards Understanding of Factors Influencing User Acceptance of Mobile Payment Systems. Icwi, 2004, 270-277.
Zhou, T. (2013). An empirical examination of continuance intention of mobile payment services. Decision support systems, 54(2), 1085-1091. https://doi.org/10.1108/IMDS-0
Ajzen, I., & Fishbein, M. (1980). Understanding Attitudes and Predicting Social Behaviour. Prentice-Hall Inc.
Ajzen, I. (1991). The theory of planned behavior. Organizational behavior and human decision processes, 50(2), 179-211. https://doi.org/10.1016/0749-5978(91)90020-T
Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Williams, M. D. (2016). Consumer adoption of mobile banking in Jordan: Ex-amining the role of usefulness, ease of use, perceived risk and self-efficacy. Journal of Enterprise Information Manage-ment, 29(1), 118-139. https://doi.org/10.1108/JEIM-04-2015-0035
Aldammagh, Z., Abdeljawad, R., & Obaid, T. (2021). Predicting mobile banking adoption: An integration of TAM and TPB with trust and perceived risk. Financial Internet Quarterly, 17(3), 35-46. DOI: https://doi.org/10.2478/fiqf-2021-0017
Altwairesh, R., & Aloud, M. (2021). Mobile Payments from Merchants' Perspective: An Empirical Study Using the TAM Model in Saudi Arabia. International Journal of Computer Science & Network Security, 21(8), 317-326. https://doi.org/10.22937/IJCSNS.2021.21.8.41
Asamoah, D., Takieddine, S., & Amedofu, M. (2020). Examining the effect of mobile money transfer (MMT) capabilities on business growth and development impact. Information Technology for Development, 26(1), 146-161. doi: https://doi.org/10.1080/02681102.2019.1599798.
Behera, C. K., & Kumra, R. (2024). Two decades of mobile payment research: A systematic review using the TCCM ap-proach. International Journal of Consumer Studies, 48(1), e13003. https://doi.org/10.1111/ijcs.13003
Belanche, D., Guinalíu, M., & Albás, P. (2022). Customer adoption of p2p mobile payment systems: The role of perceived risk. Telematics and Informatics, 72, 101851. https://doi.org/10.1016/j.tele.2022.101851
Chandra, S., Srivastava, S. C., & Theng, Y. L. (2010). Evaluating the role of trust in consumer adoption of mobile payment systems: An empirical analysis. Communications of the association for information systems, 27(1), 29. https://doi.org/10.17705/1CAIS.02729
Davis, F.D. (1989). Perceived usefulness, perceived ease of use and user acceptance of information technology. MIS Quarter-ly, 13(3), 319-339. https://doi.org/10.2307/249008
de Sena Abrahão, R., Moriguchi, S. N., & Andrade, D. F. (2016). Intention of adoption of mobile payment: An analysis in the light of the Unified Theory of Acceptance and Use of Technology (UTAUT). RAI Revista de administracao e Inova-cao, 13(3), 221-230. https://doi.org/10.1016/j.rai.2016.06.003
Dwivedi, Y. K., Rana, N. P., Janssen, M., Lal, B., Williams, M. D., & Clement, M. (2017). An empirical validation of a unified model of electronic government adoption (UMEGA). Government Information Quarterly, 34(2), 211-230. https://doi.org/10.1016/j.giq.2017.03.001
Dzandu, M. D., Hanu, C., & Amegbe, H. (2022). Gamification of mobile money payment for generating customer value in emerging economies: The social impact theory perspective. Technological Forecasting and Social Change, 185, 122049. https://doi.org/10.1016/j.techfore.2022.122049
El-Kassem, R. C., Al-Kubaisi, A. S., Al Naimi, M. M., Al-Hamadi, A. M., & Al-Rakeb, N. A. (2020). Path analytic investiga-tion of the intention to adopt E-government services through mobile applications in Qatar (tam revisited). International Journal of Advanced Research in Engineering and Technology, 11(6). DOI: 10.34218/IJARET.11.6.2020.012
Eze, U. C., Gan, G. G. G., Ademu, J., & Tella, S. A. (2008). Modelling user trust and mobile payment adoption: a conceptual Framework. Communications of the IBIMA, 3(29), 224-231.
Fan, J., Shao, M., Li, Y., & Huang, X. (2018). Understanding users’ attitude toward mobile payment use: A comparative study between China and the USA. Industrial Management & Data Systems, 118(3), 524-540. https://doi.org/10.1108/IMDS-06-2017-0268
Franque, F. B., Oliveira, T., & Tam, C. (2021). Understanding the factors of mobile payment continuance intention: empirical test in an African context. Heliyon, 7(8). https://doi.org/10.1016/j.heliyon.2021.e07807
Gupta, S. K., Tiwari, S., Hassan, A., & Gupta, P. (2023). Moderating Effect of Technologies into Behavioural Intensions of Tourists toward Use of Mobile Wallets for Digital Payments: TAM Model Perspective. International Journal of Hospitali-ty & Tourism Systems, 16(1).
Ha, D., Şensoy, A., & Phung, A. (2023). Empowering mobile money users: The role of financial literacy and trust in Vi-etnam. Borsa Istanbul Review, 23(6), 1367-1379. https://doi.org/10.1016/j.bir.2023.10.009
Hameed, I., Akram, U., Khan, Y., Khan, N. R., & Hameed, I. (2024). Exploring consumer mobile payment innovations: An in-vestigation into the relationship between coping theory factors, individual motivations, social influence and word of mouth. Journal of Retailing and Consumer Services, 77, 103687. https://doi.org/10.1016/j.jretconser.2023.103687
Hulin, C. (2001). Can a reliability coefficient be too high?. J Consum Psychol, 10(1–2), 55.
Kamal Abdella, A., Taha, I. M., & Elnady, M. A. (2022). Using TAM to Evaluate the Effect of intensive usage of Digital Pay-ment in Egypt. 1 https://doi.org/10.21203/rs.3.rs-1589828/v1
Karjaluoto, H., Jayawardhena, C., Leppäniemi, M., & Pihlström, M. (2012). How value and trust influence loyalty in wireless telecommunications industry. Telecommunications policy, 36(8), 636-649. https://doi.org/10.1016/j.telpol.2012.04.012
Kavitha, K., & Kannan, D. D. (2020). Factors influencing consumers attitude towards mobile payment applica-tions. International Journal of Management, 11(4), 140-150.
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile pay-ment. Computers in human behavior, 26(3), 310-322. https://doi.org/10.1016/j.chb.2009.10.013
Lee, C. Y., Tsao, C. H., & Chang, W. C. (2015). The relationship between attitude toward using and customer satisfaction with mobile application services: An empirical study from the life insurance industry. Journal of Enterprise Information Man-agement, 28(5), 680-697. https://doi.org/10.1108/JEIM-07-2014-0077
Li, J., Wang, J., Wangh, S., & Zhou, Y. (2019). Mobile payment with alipay: An application of extended technology ac-ceptance model. IEEE Access, 7, 50380-50387.
Liébana-Cabanillas, F., Ramos de Luna, I., & Montoro-Ríos, F. J. (2015). User behaviour in QR mobile payment system: the QR Payment Acceptance Model. Technology Analysis & Strategic Management, 27(9), 1031-1049. https://doi.org/10.1080/09537325.2015.1047757
Lule, I., Omwansa, T. K., & Waema, T. M. (2012). Application of technology acceptance model (TAM) in m-banking adoption in Kenya. International journal of computing & ICT research, 6(1), 31-43.
Moorthy, K., Chun T'ing, L., Chea Yee, K., Wen Huey, A., Joe In, L., Chyi Feng, P., & Jia Yi, T. (2020). What drives the adop-tion of mobile payment? A Malaysian perspective. International Journal of Finance & Economics, 25(3), 349-364. https://doi.org/10.1002/ijfe.1756
Mugo, D. G., Njagi, K., Chemwei, B., & Motanya, J. O. (2017). The technology acceptance model (TAM) and its application to the utilization of mobile learning technologies. British Journal of Mathematics & Computer Science, 20(4), 1-8.
Qi, J., Li, L., Li, Y., & Shu, H. (2009). An extension of technology acceptance model: Analysis of the adoption of mobile data services in China. Systems Research and Behavioral Science: The Official Journal of the International Federation for Sys-tems Research, 26(3), 391-407. https://doi.org/10.1002/sres.964
Rabbani, M. R. (2020). The competitive structure and strategic positioning of commercial banks in Saudi Ara-bia. International Journal on Emerging Technologies, 11(3), 43-46.
Rupp, W. T., & Smith, A. D. Strategic Distribution within the Context of e-Commerce: Effect on Distributors and Re-Sellers. e-Business & IT, 10.
Saif, N., Khan, I. U., & Khan, G. A. (2020). Investigating the impact of mobile application on learning among teachers based on technology acceptance model (TAM). Glob. Educ. Stud. Rev, 2, 45-54. https://doi.org/10.31703/gesr.2020(V-II).06
Singh, J., & Singh, M. (2023). Fintech applications in social welfare schemes during Covid times: An extension of the classic TAM model in India. International Social Science Journal, 73(250), 979-998. https://doi.org/10.1111/issj.12406
Venkatesh, V., & Bala, H. (2008). Technology acceptance model 3 and a research agenda on interventions. Decision scienc-es, 39(2), 273-315. https://doi.org/10.1111/j.1540-5915.2008.00192.x
Wang, G., & Shin, C. (2022). Influencing factors of usage intention of metaverse education application platform: Empirical evidence based on PPM and TAM models. Sustainability, 14(24), 17037. https://doi.org/10.3390/su142417037
Zmijewska, A., Lawrence, E., & Steele, R. (2004). Towards Understanding of Factors Influencing User Acceptance of Mobile Payment Systems. Icwi, 2004, 270-277.
Zhou, T. (2013). An empirical examination of continuance intention of mobile payment services. Decision support systems, 54(2), 1085-1091. https://doi.org/10.1108/IMDS-0