Applying the UTAUT Model to Understand M-payment Adoption. A Case Study of Western Part of Fiji

This study examines the use of m-payment system in Fiji using the UTAUT model. It measures the user's intention to adopt the m-payment system using variables such as performance expectancy, effort expectancy, social influence, and facilitating conditions. A quantitative approach was used to address the research hypothesis. Data was collected in the western part of Fiji from 301 respondents and analyzed using the partial least squares-structured equation modeling (PLS-SEM) technique. The findings suggested that all variables affect the user's intention to adopt the m-payment system; however, performance expectancy and facilitating conditions have a stronger influence. This research study is useful for the stakeholders in deciding to establish a proper m-payment system.