Towards Sustainable Adoption: Investigating QR Codes Mobile Payment Continuance in Tanzania

The adoption of QR codes in the payment of various services has grown and deepened financial inclusion in Tanzania. Despite its initial acceptance, the sustainability of using QR codes for payment is unknown. Based on that, this study examines the continuance intention of using QR codes for payment in Tanzania by extending the Technology Continuance Theory (TCT) to assess the moderating effects of perceived risks and perceived service trust. A convenient sampling technique was employed to identify respondents. Online and paper-and-pencil techniques were used to distribute the questionnaire. Among the received responses, 271 responses were considered to be valid and reliable for data analyses. Partial List Square Structural Equation Modeling (PLS-SEM) was employed to evaluate the hypothesised relationships. Findings from this study show that perceived usefulness, confirmation, and ease of use significantly influence attitude and satisfaction. Moreover, satisfaction, attitude, perceived risk, perceived usefulness, and perceived service trust significantly influence the continuance of QR codes for mobile payments in Tanzania. The study also found that perceived risk and perceived service trust moderate the relationships between attitude and continuance usage of QR codes. The implications from this study have been provided to enable financial service providers and policymakers to enhance how QR code services and infrastructures should be implemented and enhanced for sustainability in Tanzania.