Understanding user acceptance of QR code mobile payment systems in Turkey: An extended TAM

Abstract

With the contactless payment feature, QR code mobile payment systems (MPS) has been increasingly popular among consumers, particularly during the COVID-19 pandemic. These systems enable consumers to shop from their mobile devices and complete payment transactions quickly. This research aims to explain the user acceptance of QR code MPS and identify the causal relationships between the factors affecting the acceptance. An extended Technology Acceptance Model (TAM) was proposed to achieve this. The research data was obtained from 485 QR code MPS users in Turkey using an online survey. The remarkable findings of the research showed that the most crucial determinant of the intention to use (IU) is perceived trust (PT), followed by perceived compatibility (PC) and perceived usefulness (PU). Although some of the variables included in the current study were also included in some past studies, no study in the area of QR code mobile payment adoption includes all our variables. In addition, the proposed model explains 65 % of the variance in intention to use QR code MPS (a higher value than the past studies). Therefore, it is expected that the results of this study will be useful in making inferences for countries with similar characteristics.