Haji Rahman, Muhammad Noman Shafique, Muhammad Mahboob Khurshid, Muhammad Shahid Asghar, Sadeen Ghafoor


Digital payments are the financial transactions enabled through digital technologies and bear the huge potential to bring change in the social life of unbanked masses in developing and developed countries. However, a challenge encountered among developing countries is the insignificant adoption of digital payments caused by different factors of human, technological, economic and legal nature. Therefore, the purpose of this research is to empirically examine the factors that influence consumers’ adoption of digital payments in Pakistan by employing information systems theory. A better understanding of these factors can help policymakers to develop policy instruments they can implement to increase the adoption of digital payments in Pakistan. A survey was conducted to collect data. A simple random sampling technique was used. The data was analyzed using Variance-based Structural Equation Modeling (VB-SEM) to test the proposed hypotheses. Performance expectancy, facilitating conditions, and grievance redressal were the significant predictors of citizen’s use intention and lead to use behaviour. Interestingly, a 62.6% variance in behavioural intention and 55.9% in use behaviour of digital payments has been found. Future researchers should investigate the adoption of digital payments on a large population to find concrete evidence and greater insights.


Mobile Payments, Digital Payments, Cashless Payments, Adoption, Pakistan, UTAUT

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Sarhad Journal of Management Sciences by Sarhad University of Science & Information Technology is licensed under a Creative Commons Attribution 4.0 International License.
Based on a work at suit.edu.pk