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Top1. Introduction
In the information system (IS) field, technology acceptance has been one of the widely studied areas. Substantial developments have been documented in this field since the early 1980s. Technology acceptance is defined as the adoption or the first use of a latest technology or invention (Kuan & Chau, 2001; Ali, Wang, Khan, Pitafi, & Amin, 2019). Studies on technology acceptance targeted to recognize, forecast, and explain variables affecting adoption behavior at the individual as well as organizational levels to accept and use technological innovations (Salahshour Rad, Nilashi, & Mohamed Dahlan, 2017; Schaupp & Bélanger, 2016; Walczak & Borkan, 2016; Bano, Cisheng, Khan, & Khan, 2019). The fast growth of information and communication technologies has had a great influence on all extents of human life (Pitafi, Kanwal, Ali, Khan, & Waqas Ameen, 2018; Xiongfei, Khan, Zaigham, & Khan, 2019). As the emergence of mobile phone technologies, mobile payment (m-payment) systems and their preliminary adoption has received greater attention from IS scholars as technology acceptance is a trendy research area (Dahlberg, Guo, & Ondrus, 2015; Liébana, Sánchez, & Muñoz, 2014; Ting, Yacob, Liew, & Lau, 2016; Walczak & Cerpa, 1999; Khan & Ali, 2018). Accordingly, rich findings of MPS acceptance have been shaped (Chen & Li, 2017).
The extensive use of cell phones and its continuous immediacy to the users make them fit for the m-payment system without the necessity for a physical wallet, allowing mobile phones real viable value over mobile payment (Mallat & Tuunainen, 2008). Mobile payments permitted customers to reduce the need to use cash (Pham & Ho, 2015), performance and transmission of protected information between devices (Oliveira, Thomas, Baptista, & Campos, 2016), and offering convenience and speed. Mobile payment is undergoing a fast development in several markets as most of the commercial firms understand the perspective of it (Merritt, 2011; Oliveira et al., 2016). A survey conducted by the (Statista Corporation, 2015) predicted that the revenue for the global mobile payment is to reach USD1 trillion by 2019, therefore becoming one of the vital innovations for conducting mobile transactions. Recently researchers have begun to examine the role of psychological factors in influencing an individual's adoptions of innovative technologies (Hartmann & Vanpoucke, 2017; Huang & Ken, 2017; Jia, Cegielski, & Zhang, 2014; Mouakket, 2016; Reza & Khan, 2014; Ali, Wang, & Khan, 2019). Adoptions of innovative technology depend on a person’s attitude and, their personality which; plays a key role in new acceptances especially technology acceptance. Several studies have provided extensive proof for the role of personality traits as predictors of beliefs and behavior, across a range of IS contexts (Gupta & Anson, 2014; Leong, Jaafar, & Sulaiman, 2017; Özbek, Alnıaçık, Koc, Akkılıç, & Kaş, 2014; Stachl et al., 2017; Walczak & Borkan, 2016).