Study
Innovation & MarketsHigh ImpactStrong effect

Digital Payment Adoption in Egypt Driven by Perceived Usefulness and Ease of Use

The adoption of digital payment systems in Egypt is significantly influenced by users' perceptions of usefulness and ease of use, as explained by the Technology Acceptance Model (TAM).

Research Square · 2022

01

Key Findings

  • 01The Technology Acceptance Model (TAM) can explain users' desire to embrace a digital payment assessment system.
  • 02Perceived usefulness and perceived ease of use are key determinants of behavioral intention to use digital payment systems.
02

Application

Design takeaway

Focus on simplifying the user experience and clearly articulating the value proposition of digital payment systems to drive adoption.

How to apply

When designing or promoting digital payment solutions, conduct user research to identify specific perceived barriers related to usefulness and ease of use, and tailor the design and communication strategies accordingly.

Project actions

  • 01When researching user adoption of technology, consider using established models like TAM.
  • 02Ensure your research methodology can capture user perceptions of usefulness and ease of use.
03

Method & Evidence

AimTo investigate the behavioral intentions of Egyptian consumers to use digital payment and e-commerce by applying the Technology Acceptance Model (TAM).
MethodQuantitative research using Partial Least Squares-based Path Modeling (PLS-PM) with latent variables, including finite mixture path modeling for segmentation.
ProcedureThe study collected empirical data and analyzed it using PLS-PM to estimate cause-effect relationships between factors influencing digital payment adoption. Finite mixture path modeling was employed to segment data based on heterogeneity and for prediction-oriented segmentation.
ContextDigital payment and e-commerce adoption in Egypt.

Variables

IV["Perceived Usefulness","Perceived Ease of Use"]
DVBehavioral Intention to Use Digital Payment
CV["Government initiatives","Technological proficiency"]
04

Strengths & Limitations

Strengths

  • +Application of a well-established theoretical model (TAM).
  • +Use of advanced statistical modeling techniques (PLS-PM).

Limitations

Generalizability of findings to different cultural contexts or user demographics might be limited.

Reliability & validity

The use of established TAM constructs and robust statistical methods like PLS-PM contributes to the reliability and validity of the findings. However, the specific details of the measurement instruments and validation procedures would need further examination.

Think critically

How might cultural factors beyond perceived usefulness and ease of use influence digital payment adoption in different regions?

05

Design Principles

"Design for perceived usefulness and ease of use to foster technology adoption."

Understanding the drivers of digital payment adoption is crucial for businesses and policymakers aiming to expand e-commerce and financial inclusion. By focusing on perceived usefulness and ease of use, designers and marketers can develop more effective strategies to encourage user engagement and overcome adoption barriers.

06

What This Means for Your Design

People are more likely to use new digital payment apps if they think the apps are helpful and simple to figure out.

How to use in your project

  • 1.Use the findings to justify the importance of user perception in your design project's introduction or background section.
  • 2.Incorporate TAM constructs (perceived usefulness, perceived ease of use) into your user research or testing phases.
07

Add to My Project

08

Quick Cite

(2022). Using TAM to Evaluate the Effect of intensive usage of Digital Payment in Egypt. Research Square. https://doi.org/10.21203/rs.3.rs-1589828/v1 Retrieved from https://designdex.org/study/566c550d-7b6d-4c65-924c-bce7106967b2/digital-payment-adoption-in-egypt-driven-by-perceived-usefulness-and-ease-of-use

Paragraph starter

This research highlights the critical role of perceived usefulness and perceived ease of use, as outlined by the Technology Acceptance Model (TAM), in driving the adoption of digital payment systems. For instance, a study in Egypt found these factors to be significant predictors of user intention to use digital payment methods, underscoring the importance of designing intuitive and value-driven digital solutions.

09

Source

Research Square

Using TAM to Evaluate the Effect of intensive usage of Digital Payment in Egypt

journal · 2022

View source

Questions about this research

What does the research say about digital payment adoption in egypt driven by perceived usefulness and ease of use?
Focus on simplifying the user experience and clearly articulating the value proposition of digital payment systems to drive adoption. Evidence: Research Square (2022).
Why does "Digital Payment Adoption in Egypt Driven by Perceived Usefulness and Ease of Use" matter for design?
Understanding the drivers of digital payment adoption is crucial for businesses and policymakers aiming to expand e-commerce and financial inclusion. By focusing on perceived usefulness and ease of use, designers and marketers can develop more effective strategies to encourage user engagement and overcome adoption barriers.
How can designers apply this research?
Focus on simplifying the user experience and clearly articulating the value proposition of digital payment systems to drive adoption.
What were the main findings?
The Technology Acceptance Model (TAM) can explain users' desire to embrace a digital payment assessment system.. Perceived usefulness and perceived ease of use are key determinants of behavioral intention to use digital payment systems.
What research method was used?
Quantitative research using Partial Least Squares-based Path Modeling (PLS-PM) with latent variables, including finite mixture path modeling for segmentation..
How strong is the evidence?
Evidence strength is rated Strong effect, based on a 2022 journal from Research Square.
What should I do differently in my next project?
When designing or promoting digital payment solutions, conduct user research to identify specific perceived barriers related to usefulness and ease of use, and tailor the design and communication strategies accordingly.
What are the limitations?
The study's findings may be specific to the Egyptian context and may not be generalizable to all markets. The specific sample size and demographic details were not provided in the abstract.
Is there evidence that digital payment affects design outcomes?
The study found that Egyptian consumers are more likely to adopt digital payment methods when they perceive these systems as useful and easy to use, aligning with the principles of the Technology Acceptance Model. Understanding the drivers of digital payment adoption is crucial for businesses and policymakers aiming to Source: Research Square (2022).
Where does this payment adoption research apply?
Digital payment and e-commerce adoption in Egypt. It sits within innovation & markets research on designdex.org.

Related research topics

digital payment design research · evidence on digital payment · does digital payment improve design outcomes · payment adoption studies for designers · digital payment and payment adoption findings · innovation & markets research evidence