Mobile payment is becoming an evitable trend in the globe and is well expanding rapidly into emerging countries. Many research models are developed and confirmed that behavior intention is an important fact which decides the level of using mobile payment among users. The existing research models have made empirical evidences confirming behavior intention de-pended on performance and effort expectancy. This research expands previous empirical evidence by involving perceived transaction speed as an important explanatory variable to both performance expectancy and effort expectancy and also captures how behavior intention is influenced by performance expectancy and effort expectancy among Cambodian users. A total of 200 questionnaires were collected, analyzed and summarized for this study. Result reveals that performance expectancy and effort expectancy affect positively and significantly on behavior intention. Perceived transaction speed has a positive and significant relationship with effort expectancy but Perceived transaction does not have any positive and significant relationship with performance expectancy. Result from this study also concludes the role of perceived transaction speed which is affecting intention to use mobile payment among users. However, there are some limitations to be addressed for the future researches; this research may include larger samples to find out the clear effect on behavior intention of the end-users.

The research was developed with main objective of verifying the effect of perceived transaction speed, performance expectancy and social influence on behavioral intention towards mobile payment services of Cambodian users. A research model was developed in which behavioral intention of mobile payment users was influenced directly by perceived transaction speed, performance expectancy and social influence. The effects of perceived transaction speed on performance expectancy and social influence were analyzed in the research. A successful 210 questionnaires were collected from real mobile payment users in Cambodia. It was identified that behavioral intention was significantly and positively influenced by perceived transaction speed, performance expectancy and social influence. However, the effects of perceived transaction speed on performance expectancy and social influence were not statistically significant. Based on these findings, some recommendations to government, commercial banks and private mobile payment providers in Cambodia were proposed.

Mobile payment is considered as a technology innovation which is being exploited and fur-ther expanded in both developed and developing or emerging countries. It is considered as an alternative method to cash payment method. This study is employed with the objective of exploring how Cambodian user behavior intention is affected by perceived transaction convenience, perceived transaction speed, social influences, and facilitating condition. Each fac-tor is measured by different items and there are 38 items developed in this study. The data is collected by distributing questionnaires to Cambodian users and 329 questionnaires are collected successfully.