Author(s): Afef Sahli and Hajer Ben Lallouna
The COVID-19 pandemic and geopolitical tensions have had a significant impact on various aspects of our lives, including the way we transact and conduct business. In light of this, the present study aims to investigate the impact of trust on mobile payment adoption in order to facilitate the growth of mobile commerce, both during and after the pandemic. Through a comprehensive literature review and a quantitative analysis based on an online survey of 342 participants, this study has identified several key factors that influence trust in mobile payments, such as hesitancy, self-efficacy, perceived ease of use, speed, and ubiquity. Furthermore, the study found that predisposition to trust and perceived benefits were not significant factors in determining trust in mobile payments. Only perceived competence was found to have a significant effect on the intention to adopt mobile payments. This finding underscores the importance of merchants and service providers demonstrating their competence and reliability in order to build trust with consumers.