Abstract:
Globally, mobile payment is becoming more and more popular as a substitute for cash,
checks, and credit cards, both for individuals and businesses. The main goals of this
research are to identify the key variables affecting the uptake of mobile payments and to
recommend this technology. In order to fully tackle the intricacies of user behaviour, the
research incorporates three notable models: UTAUT, DOI and TTF. Bangladesh, an Asian
nation, provided 250 replies to an online survey that was used to experimentally test the
study model. The structural equation modelling method was used to analyse the data
(SEM). Moreover, the addition of perceived trust and personal inventiveness as moderators
results in improvements to the R2 and Q2, respectively. This research aims to develop a
complete model that captures the complex interaction of factors impacting the behavioral
intentions and actual adoption of mobile payment systems among Bangladesh's tech-savvy
Generation Z. It does this by synthesizing UTAUT, DOI, and TTF. It is anticipated that the
results will provide insight into practical tactics for encouraging the country's wide
adoption and use of mobile payment technologies.
