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Mobile Payments from Merchants’ Perspective: An Empirical Study Using the TAM Model in Saudi Arabia


Reem Altwairesh and Monira Aloud


Vol. 21  No. 8  pp. 317-326


This study aims to examine the factors that affect the intention of merchants to adopt mobile payments in Saudi Arabia. The underlying model used in the study is the technology acceptance model, which includes two factors: perceived ease of use and perceived usefulness. The effects of trust, cost, and compatibility are also examined because these are among the common factors used based on the literature. An online questionnaire was completed by 242 merchants in Saudi Arabia who had already adopted mobile payment services. A significant relationship was identified between perceived usefulness and compatibility in terms of merchants’ intention to adopt mobile payment systems, while an insignificant relationship was identified with perceived ease of use, trust, and cost.


Compatibility, cost, intention to use, m-payments, TAM.