Biometrics Authentication for E-payment

Abstract

This study is designed to assess several key predictors of user intention to accept biometrics authentication for e-payment. To do so, a research model is constructed based on the prominent unified theory of acceptance and use of technology (UTAUT) framework. Further, the UTAUT model is expanded by integrating three prevalent constructs that are essential to accept biometrics authentication. As the principal analytical tools, structural equation modelling (SEM) and importance performance map analysis (IPMA) are employed. The study reveals significant effects of performance expectancy, effort expectancy, social influence, perceived risk and perceived trust on attitude. Moreover, attitude, facilitating conditions, and perceived trust play a substantial role in predicting user adoption intention to biometrics authentication in e-payment. The IPMA suggests that perceived trust and facilitating conditions fall into the critical zone, requiring special managerial considerations. This research has offered a comprehensive research model to explore users’ biometrics authentication adoption behaviour, particularly in the field of e-payment. This study assesses the initial adoption behaviour of biometrics authentication in e-payments; therefore, assessing users’ continuance usage behaviour of this technology can be a potential for future research