Factors Influencing the Adoption of E-Payment During Pandemic Outbreak (COVID-19): Empirical Evidence

Abstract

This study aimed at identifying the main factors influencing the adoption of the electronic payment system (EPS) by Jordanian consumers based on the technology acceptance model (TAM) during the emergence of the pandemic crisis (COVID-19). A quantitative approach and a convenience sample of (567) Jordanian banking customers were employed to collect the required data via an online survey questionnaire. The study revealed that the most important predictors of behavioural intention of e-payment adoption by Jordanian consumers during the pandemic crisis (COVID-19) are: perceived usefulness, trust and ease-of-use Furthermore, education level, age and income as demographic variables have been found to affect the intention of e-payment service adoption significantly, while the effect of gender was found insignificant during this time. Based on these findings, several practical recommendations were suggested to enhance the electronic payment adoption process in Jordan. This study has provided its contribution concerning e-payment adoption, particularly during the breakout of Covid-19 pandemic in the world for the first time.