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Personality Traits As Predictor Of M-Payment Systems

Ali Nawaz Khan, Xiongfei Cao, Abdul Hameed Pitafi

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Mobile phones have led to a great revolution of modern society, helpful for many businesses to reorient their sales methods towards effective commercial formats. The m-payment, for instance, as an emergent technology to these novel commercial setups, is now undertaking the adoption process. Individual users are known to vary in their tendency to accept new technologies. Not surprisingly, some conceptual models describe how and why individuals use m-payments. Until recently, however, the role of personality in overall, and the big five model of personality, in particular, had remained mostly unexplored. This article aims to ascertain the impact of personality traits on m-payment adoption. Data were collected from 323 m-payment customers and analyzed using a two-step research methodology. SEM was applied to test the hypothesis, and significant antecedents of m-payment were identified. Next significant personality factors were input to a neural network model for ranking. The results showed that conscientious and agreeableness is the two main predictors of m-payment adoption.