Factors affecting e-payment adoption in Nigeria

Roya Gholami, Augustine Ogun, Elizabeth Koh, John Lim

Research output: Contribution to journalArticlepeer-review


The payment system of a country plays a crucial role in its economy; however, despite the benefits of e-Payment and efforts by financial authorities, Nigeria still has a low e-Payment adoption rate. In this regard, there is an urgent need to investigate the factors that affect individuals’ intention to adopt e-Payment. Drawing on the unified theory of acceptance and use of technology (UTAUT) model, this paper develops a theoretical model for e-Payment adoption in Nigeria. Additionally, a survey was conducted on 500 respondents with 213 complete responses received to test the model, and results show that perceived benefits, effort expectancy, social influence, trust, awareness, and demographic variables affected individuals’ intention to adopt e-Payments. Based on the findings, managerial and theoretical implications are deliberated.
Original languageEnglish
Pages (from-to)51-67
Number of pages17
JournalJournal of Electronic Commerce in Organizations
Issue number4
Publication statusPublished - Oct 2010


  • adoption
  • e-commerce
  • e-payments
  • Nigeria
  • unified theory of acceptance
  • use of technology


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