A MODIFIED UTAUT IN THE CONTEXT OF M-PAYMENT USAGE INTENTION IN MALAYSIA
This study revises the existing UTAUT model and incorporates two additional variables, namely trust, and convenience. In addition, the literature on the mediating effect of trust and performance expectancy in Malaysia in the context of m-payment usage intention is still limited. This study also attempts to fill the knowledge gap and examine the mediating effect of trust and performance expectancy. A total of 393 usable questionnaires were collected in Malaysia and analyzed using IBM Amos version 23. The results show that convenience, trust, effort expectancy and performance expectancy are significant factors that influence the m-payment usage intention for Malaysians. Meanwhile, social influence is an insignificant factor. This study also revealed that both trust and performance expectancy plays a significant role to mediate between effort expectancy and m-payment usage intention.