The effect of contextual factors namely information quality, service quality, system quality, Technological readiness, trust in applications (app) and COVID-19 health anxiety, on the intention and consequently the actual use of Mobile Payment (MP) app was examined in this study. Trust, as mediator to the relationship between technological readiness and intention to use MB-app was examined also. Data were obtained from 740 Jordanian Mobile Banking (MB) app users through an online survey. The relationship between service quality, system quality, information quality, trust in the app, COVID-19 health anxiety, Technological readiness and the intentions to use MB-app and the actual use of MB-app was empirically examined. The results showed a positive relationship between service quality, system quality, information quality, trust in the app and COVID-19 health anxiety, and the intentions to use MB-app, and in turn he actual use of MB-app, and a positive mediation of trust on the relationship between COVID-19 health anxiety and the intentions to use MB-app.

The study sought to find out the effect of Technological Readiness Index (TRI) on the adoption of the inDubai application by potential tourists to Dubai. The finding showed a distinct relationship between TRI dimensions and the intention to make use of the inDubai mobile application. The findings of the study further proved that the TRI model as developed by Parasuraman can indeed prove the intention of individuals to adopt a new technology. The study showed that if the first two dimensions (Optimism and Innovation) are present, then a traveler will most likely see the perceived benefits of using the product or technology which in turn will lead to a positive intention to adopt such a technology. The findings also showed that if the last two dimensions (Insecurity and Discomfort) are present then such individuals exhibiting these behaviors are less likely to want to adopt this new technology. This implies that applications like the inDubai application and other similar applications need to address issues that lead to insecurity and discomfort among users if they are to attract a lot of adopters.