The adoption of biometric point-of-sale terminal for payments

Abstract

Purpose

The purpose of this paper is to investigate factors that influence customers’ adoption of biometric-based point-of-sale in Brunei.

Design/methodology/approach

This paper extends technology acceptance model constructs with trust and some other variables as the framework to investigate their influence on the attitude toward the usage of a biometric point-of-sale terminal for payments in Brunei. Nine variables may influence user’s perception toward usage. The nine variables are needed, perceived ease of use, perceived usefulness, experience, innovativeness, privacy, security, trust and attitude toward usage. Multiple regression analysis was conducted to test hypotheses related to these nine variables.

Findings

It is found that the innovativeness of an individual and similar experience corresponds toward trust, which is positively related to attitude toward usage. Perceived usefulness and trust have significantly influenced the intention of individuals to use biometrics as an authentication method for payment.

Research limitations/implications

The nature of this research is to gather the public’s opinion and perception as much as it is deemed possible to get a bigger and clearer picture of the study. As the target respondence is citizens and residents of Brunei without any specification or exclusion, a large response would be needed to have a more reliable and accurate result. However, only 205 respondents can be gathered in this study. Had there been a longer time frame, it would be best to gather a lot more responses.

Originality/value

This paper explores the adoption of biometric authentication in large-scale point-of-terminals. It identifies factors that influence adoption. The results of this study could assist future researchers in which direction to take to further explore biometric as an authentication method for payment. In addition to this, it could also provide banks and financial technology in Brunei a clearer picture of the Brunei market and Bruneians perspective on the biometric system.

Citation

Sulaiman, S.N.A. and Almunawar, M.N. (2022), "The adoption of biometric point-of-sale terminal for payments", Journal of Science and Technology Policy Management, Vol. 13 No. 3, pp. 585-609. https://doi.org/10.1108/JSTPM-11-2020-0161