Factors Influencing the Intention to Adopt Mobile Payment Using NFC Technology: s Survey Study in Mosul City

This study aims to identify the factors influencing the intention to adopt mobile payment using Near Field Communication (NFC) technology in the city of Mosul, based on the Unified Theory of Acceptance and Use of Technology 3 (UTAUT3). A descriptive analytical approach was employed, and a questionnaire was used to collect data from a sample of 469 citizens in Mosul. The questionnaire was designed using a five-point Likert scale and distributed in both electronic and paper formats. Statistical methods were employed to analyze the data, utilizing SPSS V.29 and AMOS V.26 software. The study concluded that factors such as expected performance, expected effort, social influence, facilitating conditions, hedonic motivation, and personal innovation significantly influence the behavioral intention to adopt NFC-based mobile payment in Mosul. The key findings highlighted that these factors directly contributed to the intention to adopt mobile payment using NFC technology, underscoring their importance as determinants for the use of this technology. Conversely, price value did not significantly affect the adoption intention, possibly due to a lack of awareness among individuals regarding service pricing. The study recommended focusing on the development of NFC mobile payment by improving infrastructure and providing resources for user training on electronic payment methods. This includes establishing indicators and metrics to encourage customer adoption. Additionally, the study suggested conducting further research to understand better and promote the benefits of NFC mobile payment technology.