Finance

Accounting

Business

Technology acceptance model

Test (biology)

Service (business)

Confirmatory factor analysis

Knowledge management

Biology

Human–computer interaction

Creativity

Machine learning

Marketing

Usability

Payment

Paleontology

Psychology

Mobile payment

Variance (accounting)

Originality

Continuance

Context (archaeology)

Computer science

Structural equation modeling

Social psychology

International Journal of Bank Marketing

Purpose The purpose of this paper is to develop and test an integrated model of the modified technology readiness index (TRI) with the extended expectation-confirmation model, in the context of information technology (E-ECM-IT) to explain the adoption and the intention to continue to use mobile payment applications (apps). Design/methodology/approach Data were collected from 426 users of mobile payment apps across South Africa. A confirmatory factor analysis was performed to validate the factor structure of the measurement items while structural equation modelling was employed to validate the proposed model and testing the hypotheses. Findings The overall model explained 81 per cent of variance in adoption and 78.5 per cent in the intention to continue to use mobile payment services. “Drivers” were better predictors of adoption than “inhibitors” while satisfaction emerged as the strongest predictor of continuance intentions. Originality/value To the best knowledge of the authors, this study is the first to empirically test an integrated modified TRI and E-ECM-IT model to supplement the paucity of research on the topic. The results show that the integrated model provides an enhanced way to understand the factors that influence adoption and continuance intention towards mobile payment apps. The results also add to existing knowledge of mobile technology literature.

An integrated framework for the adoption and continuance intention to use mobile payment apps