Exploring the antecedent factors of continuous intention to use mobile money: insights from emerging markets

Abstract

Purpose

The purpose of this study is to examine the factors that may have an influence on the continuous intention to use mobile money as one of the Financial Technology (FinTech) products beyond the COVID-19 pandemic lockdown period.

Design/methodology/approach

This study has empirically tested the expanded post-acceptance model (Extend-PAM) and the expectation-confirmation model (ECM) to explain the mobile money adoption in Jordan. Data collected were analyzed through partial least squares–structural equation modeling (PLS-SEM).

Findings

The results mainly showed that the quality of administrative services and trust significantly impact confirmation and perceived usefulness. In addition, perceived security and knowledge of mobile money as one of the FinTech services significantly influence users’ confirmation and perceived usefulness. Also, usefulness and satisfaction influence continuous intention. Significant relationships were noted among confirmation, perceived usefulness, satisfaction and continuous intention to use mobile money.

Originality/value

This paper integrates two key theories: the expanded post-acceptance model (Extend-PAM) and the expectation-confirmation model (ECM) in the post-adoption behavior of mobile money. Therefore, this study attempts to fill a literature gap by examining the antecedent factors that influence the continuous intention to use mobile money services in the post-consumption stage.

Citation

Qatawneh, N., Al-Okaily, A., Al-Okaily, M. and Ur Rehman, S. (2025), "Exploring the antecedent factors of continuous intention to use mobile money: insights from emerging markets", Digital Policy, Regulation and Governance, Vol. 27 No. 2, pp. 175-200. https://doi.org/10.1108/DPRG-04-2024-0080