The Mediating Effect of Attitude on Adoption of Mobile Payment Services in a Small Island Developing State.The Case of Mauritius

This study assesses the factors that impacts on an individual’s adoption (ADOP) of mobile payment services (MPS) in the setting of a developing small island developing state (SIDS), Mauritius. A theoretical model is derived from prior research and combines factors from technology acceptance model (TAM), theory of reasoned action (TRA) and theory of planned behaviour (TPB) with factors relevant to MPS ADOP. Attitude (ATTI) has been included as a mediator of direct effects on ADOP. The sample consists of 186 participants from the densely populated regions of Mauritius. A Structural equation modelling (SEM) is used to establish the impacts of the different constructs identified on ADOP of MPS. The findings reveal that although Perceived Trust (PT) and Perceived Risk (PR) was not directly related to ADOP of MPS, it was found that Subjective Norms (SN), Compatibility (COM) and Intention to use (INT) was directly related to ADOP of MPS. It was also observed that SN, COM, PR, PT and INT was directly related to ATTI. In addition, we noted that ATTI partially mediates the relationship between SN, COM, PR, PT, INT and ADOP of MPS. The outcomes provide a clearer understanding of the theoretical understanding of MPS ADOP in the local context and also enhance the understanding of other important variables influencing adoption of MPS by customers. Several practical recommendations are also made based on the research findings