Factors Affecting e-Payment Adoption in Nigeria

Authors:
Roya Gholami;Augustine Ogun;Elizabeth Koh;John Lim
Affiliations:
Aston Business School, UK;Aston Business School, UK;National University of Singapore, Singapore;National University of Singapore, Singapore
Venue:
Journal of Electronic Commerce in Organizations
Year:
2010

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Abstract

The payment system of a country plays a crucial role in its economy; however, despite the benefits of e-Payment and efforts by financial authorities, Nigeria still has a low e-Payment adoption rate. In this regard, there is an urgent need to investigate the factors that affect individuals' intention to adopt e-Payment. Drawing on the unified theory of acceptance and use of technology UTAUT model, this paper develops a theoretical model for e-Payment adoption in Nigeria. Additionally, a survey was conducted on 500 respondents with 213 complete responses received to test the model, and results show that perceived benefits, effort expectancy, social influence, trust, awareness, and demographic variables affected individuals' intention to adopt e-Payments. Based on the findings, managerial and theoretical implications are deliberated.