Using TAM to Evaluate the Effect of Intensive Usage of Digital Payment in Egypt

Abstract

The growth of digital payments has been aided by the government's pledge to provide monetary assistance to the public by making payments directly into bank accounts. Consumers have access to all available cash or lines of credit for a given transaction with digital payment. Digital payment methods encourage pulse transactions, particularly online, and consumers are more inclined to buy an item they see on sale online because purchasing it with a credit card would simply take a few clicks. The Central Bank of Egypt (CBE) has assessed its progress in facilitating electronic payments. Egypt's electronic payment business has undergone a number of recent improvements. This study used the technology acceptance model (TAM) to investigate people's behavioral intentions to use digital payment and e-commerce to assess their technological prociency in Egypt. The technological acceptance model may be used to explain users' desire to embrace a digital payment assessment system according to the ndings of this study. Partial least squares-based path modeling with latent variables is a methodology that allows estimating complex cause-effect relationships using empirical data. the purpose of this paper is rst, a nite mixture path modeling methodology for separating data based on the heterogeneity of estimates in the inner path model, second, prediction objected segmentation as it performs well in discovering unobserved heterogeneity informative measures. They are implemented in a software application for statistical computation. Analyze the results of nite partial least squares to nite mixture path modeling segmentation and prediction objected segmentation.