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This research aims to investigate the influence of perceived ease of use and perceived risk
on intention to use mobile payment services in Pakistan via mediating role of perceived
trust. A total of 320 smartphone users were approached using a questionnaire-based
survey method and hypotheses were tested using hierarchal regression. The results of this
study confirm that perception about ease of use and perception about trust of consumers
significantly influences the intention to use mobile payment service. Whereas, perceived
risk is found insignificant in explaining intention to use mobile payment services in
Pakistan but, perception about risk is found as a significant negative influencer of
perceived trust among consumers. This study is helpful for mobile payment service
providers like Bank’s marketing manager, financial institutions, etc. for making their
strategies accordingly to tap consumers who prefer traditional cash mode of payment and
it is also fruitful for the government and concerned departments to maintain transparency
in monetary and economic transactions by m-payment services that can prove a helping
hand for developing economies.
Talat Islam, Saif-Ur-Rehman, Ch. Muhammad Salman Abid, Zeshan Ahmer. (2020) How Perceptions About Ease of Use and Risk Explain Intention to Use Mobile Payment Services in Pakistan? The Mediating Role of Perceived Trust, Pakistan Journal of Commerce and Social Sciences, Volume 14, Issue 1.
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