Factors Influencing Consumer’s Intention to Use Electronic Payment Platform in Nigeria

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Published: 2022-02-17

Page: 94-101

Udoka Stephen Otika *

Department of Marketing, Evangel University, Akaeze, Ebonyi State, Nigeria.

Emezue Leonard Nnabugwu

Department of Marketing, University of Nigeria, Enugu Campus, Nigeria.

Dickson Ben Uche

Department of Marketing, Evangel University, Akaeze, Ebonyi State, Nigeria.

Goddey C. Chikwe

Department of Marketing, Evangel University, Akaeze, Ebonyi State, Nigeria.

*Author to whom correspondence should be addressed.


E-payment platform has arguably changed the financial ecosystem of Nigeria e-commerce. However, in spite of its advantages, consumers are doubtful about the acceptance of using the technology. The essence of the current study is to investigate consumers' intention to use e-payment platforms. Thus, a model was proposed by extending the innovation diffusion theory (IDT) with trust to determine the critical factors influencing consumers' intention to use e-payment platforms in Nigeria. The current model, will facilitate accurate clarification of consumer behavior towards acceptance of technology. To navigate the intent of the model, a well-structured hypotheses were developed. The outcome of the study is the development of comprehensive model that influence e-payment usage. This model is expected to examine consumers' behavior in e-payment technology adoption in Nigeria.

Keywords: Relative advantage, compatibility, complexity, observability, trialability, trust

How to Cite

Otika, U. S., Nnabugwu, E. L., Uche, D. B., & Chikwe, G. C. (2022). Factors Influencing Consumer’s Intention to Use Electronic Payment Platform in Nigeria. Asian Journal of Economics, Finance and Management, 4(1), 94–101. Retrieved from https://globalpresshub.com/index.php/AJEFM/article/view/1469


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