Understanding the key drivers in using mobile payment (M-Payment) among Generation Z travellers
ISSN: 1747-3616
Article publication date: 21 February 2024
Issue publication date: 6 August 2024
Abstract
Purpose
The purpose of this study is twofold. The first objective is to identify the factors that affect Gen Z tourists' M-payment behaviour. Next, this study investigates the inter-relationship between Gen Z tourist’s perception of M-payment benefits, adoption behaviour, usage risk and future usage intention.
Design/methodology/approach
The sample comprised Malaysian Gen Z individuals (n = 326) who had experience using M-payment methods while travelling outbound. Given the complex nature of the model and the goal to predict and explain relationships within Gen Z's M-payment usage, partial-least square-structural equation modelling was used to assess the study framework and test the proposed relationships.
Findings
This study reveals significant influences on Gen Z tourists' behavioural intentions towards M-payment usage. Perceived benefits, performance expectancy, social influence and perceived trust positively impact behavioural intentions, while effort expectancy exhibits no significant effect. Furthermore, perceived trust is strongly influenced by perceived security, which also positively influences behavioural intentions. A mediated relationship is evident as trust mediating the effect of perceived security on behavioural intentions.
Research limitations/implications
This study’s findings contribute to understanding the intricate relationships influencing Gen Z's M-payment behaviour and underscore trust's pivotal role in mediating the security–behavioural intention relationship.
Originality/value
This study is among the first to consider Mental Accounting Theory and the Unified Theory of Acceptance and Use of Technology as crucial underpinning theories in comprehending the intricate relationships that influence Gen Z travellers' perceptions and behaviours concerning M-payment systems.
Keywords
Acknowledgements
Since submission of this article, the following author has updated their affiliations: Juke Sjukriana is associated to Hotel Salak The Heritage, Bogor, Indonesia and a Phd student at the Faculty of Hotel and Tourism Management, Universiti Teknologi MARA, Puncak Alam, Malaysia.
Citation
Hanafiah, M.H., Asyraff, M.A., Ismail, M.N.I. and Sjukriana, J. (2024), "Understanding the key drivers in using mobile payment (M-Payment) among Generation Z travellers", Young Consumers, Vol. 25 No. 5, pp. 645-664. https://doi.org/10.1108/YC-08-2023-1835
Publisher
:Emerald Publishing Limited
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