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Using the UTAUT model to analyze user intention to accept electronic payment systems in Serbia
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Orientador(es)
Resumo(s)
This study applies The Unified Theory of Acceptance and Use of Technology
(UTAUT) to explain the acceptance of electronic payment systems in Serbia. We
used extended model that incorporates several external variables, such as perceived
security, trust, privacy, convertibility and financial costs, along with basic UTAUT
predictors. The sample comprised of 457 respondents. We applied structural equation
modelling to develop the model and draw conclusions. The results showed that
performance expectancy, perceived security, trust and social influence had strong
positive effects on behavioral intention. Conversely, we found behavioral intention,
convertibility and financial costs to be significant drivers of user behavior. We consider
the inclusion of convertibility in the model and proving its significance to be
the main practical implications of our research, and also suggest to be considered
as a factor in models designed for countries with low purchasing power of national
currency.
Descrição
Palavras-chave
UTAUT Convertibility Performance expectancy Serbia Electronic payment systems
Contexto Educativo
Citação
Tomić, Nenad, Zoran Kalinić e Violeta Todorović (2023). "Using the UTAUT model to analyze user intention to accept electronic payment systems in Serbia". Portuguese Economic Journal, 22(2):251-270. https://doi.org/10.1007/s10258-022-00210-5
Editora
Springer