View in EDS HTML Full Text PDF Full Text

Generation Z's mobile payment adoption: integrating UTAUT model and government initiative impacts.

Saved in:
Bibliographic Details
Authors: Motwani, Kirti1 (AUTHOR) kirtimotwani110@gmail.com, Choubey, Somya1 (AUTHOR) somya.choubey@jaipur.manipal.edu, Saxena, Abhineet2 (AUTHOR) abhineetsaxena2011@gmail.com, Patni, Ity1 (AUTHOR) ity.patni@jaipur.manipal.edu
Source: Journal of Innovation & Entrepreneurship. 5/18/2026, Vol. 15 Issue 1, p1-24. 24p.
Subject Terms: *Mobile commerce, *Government programs, *Value (Economics), Generation Z, Technology Acceptance Model, Social influence, Structural equation modeling
Abstract: As digital natives, Generation Z holds the key to the future of Mobile Payment (M-Payment) systems, yet understanding what truly drives their adoption remains a complex puzzle shaped by both technology acceptance and evolving governmental influences. The study investigates the determinants of mobile payments adoption among Generation Z, with a special focus on integrating government initiatives into the traditional UTAUT framework. A structured questionnaire is used to collect the data from the respondents through convenience sampling from private universities in Rajasthan (State of India), from which 278 valid responses were utilized. The data revealed that 72.2% of respondents use mobile payments almost daily, highlighting a strong habitual behaviour among Generation Z. For testing the proposed hypotheses, the study employed variance-based Partial Least Squares Structural Equation Modelling (PLS-SEM) using SmartPLS 4. The results indicates that the strongest determinant of mobile payment adoption among Gen Z is Price Value, followed by effort expectancy, social influence, government initiatives and habit. This study introduces the novel concept of government initiatives as a key driver of Generation Z's adoption behaviour, bridging a gap in existing literature. It also offers practical strategies, enhanced usability, social influence, competitive pricing, and policy alignment for service providers to effectively engage Gen Z users. [ABSTRACT FROM AUTHOR]
Database: Entrepreneurial Studies Source
Full text is not displayed to guests.
FullText Links:
  – Type: pdflink
Text:
  Availability: 1
Header DbId: ent
DbLabel: Entrepreneurial Studies Source
An: 194162069
AccessLevel: 6
PubType: Academic Journal
PubTypeId: academicJournal
PreciseRelevancyScore: 0
IllustrationInfo
Items – Name: Author
  Label: Authors
  Group: Au
  Data: <searchLink fieldCode="AR" term="%22Motwani%2C+Kirti%22">Motwani, Kirti</searchLink><relatesTo>1</relatesTo> (AUTHOR)<i> kirtimotwani110@gmail.com</i><br /><searchLink fieldCode="AR" term="%22Choubey%2C+Somya%22">Choubey, Somya</searchLink><relatesTo>1</relatesTo> (AUTHOR)<i> somya.choubey@jaipur.manipal.edu</i><br /><searchLink fieldCode="AR" term="%22Saxena%2C+Abhineet%22">Saxena, Abhineet</searchLink><relatesTo>2</relatesTo> (AUTHOR)<i> abhineetsaxena2011@gmail.com</i><br /><searchLink fieldCode="AR" term="%22Patni%2C+Ity%22">Patni, Ity</searchLink><relatesTo>1</relatesTo> (AUTHOR)<i> ity.patni@jaipur.manipal.edu</i>
– Name: TitleSource
  Label: Source
  Group: Src
  Data: <searchLink fieldCode="JN" term="%22Journal+of+Innovation+%26+Entrepreneurship%22">Journal of Innovation & Entrepreneurship</searchLink>. 5/18/2026, Vol. 15 Issue 1, p1-24. 24p.
– Name: Subject
  Label: Subject Terms
  Group: Su
  Data: *<searchLink fieldCode="DE" term="%22Mobile+commerce%22">Mobile commerce</searchLink><br />*<searchLink fieldCode="DE" term="%22Government+programs%22">Government programs</searchLink><br />*<searchLink fieldCode="DE" term="%22Value+%28Economics%29%22">Value (Economics)</searchLink><br /><searchLink fieldCode="DE" term="%22Generation+Z%22">Generation Z</searchLink><br /><searchLink fieldCode="DE" term="%22Technology+Acceptance+Model%22">Technology Acceptance Model</searchLink><br /><searchLink fieldCode="DE" term="%22Social+influence%22">Social influence</searchLink><br /><searchLink fieldCode="DE" term="%22Structural+equation+modeling%22">Structural equation modeling</searchLink>
– Name: Abstract
  Label: Abstract
  Group: Ab
  Data: As digital natives, Generation Z holds the key to the future of Mobile Payment (M-Payment) systems, yet understanding what truly drives their adoption remains a complex puzzle shaped by both technology acceptance and evolving governmental influences. The study investigates the determinants of mobile payments adoption among Generation Z, with a special focus on integrating government initiatives into the traditional UTAUT framework. A structured questionnaire is used to collect the data from the respondents through convenience sampling from private universities in Rajasthan (State of India), from which 278 valid responses were utilized. The data revealed that 72.2% of respondents use mobile payments almost daily, highlighting a strong habitual behaviour among Generation Z. For testing the proposed hypotheses, the study employed variance-based Partial Least Squares Structural Equation Modelling (PLS-SEM) using SmartPLS 4. The results indicates that the strongest determinant of mobile payment adoption among Gen Z is Price Value, followed by effort expectancy, social influence, government initiatives and habit. This study introduces the novel concept of government initiatives as a key driver of Generation Z's adoption behaviour, bridging a gap in existing literature. It also offers practical strategies, enhanced usability, social influence, competitive pricing, and policy alignment for service providers to effectively engage Gen Z users. [ABSTRACT FROM AUTHOR]
PLink https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=ent&AN=194162069
RecordInfo BibRecord:
  BibEntity:
    Identifiers:
      – Type: doi
        Value: 10.1186/s13731-026-00658-1
    Languages:
      – Code: eng
        Text: English
    PhysicalDescription:
      Pagination:
        PageCount: 24
        StartPage: 1
    Subjects:
      – SubjectFull: Mobile commerce
        Type: general
      – SubjectFull: Government programs
        Type: general
      – SubjectFull: Value (Economics)
        Type: general
      – SubjectFull: Generation Z
        Type: general
      – SubjectFull: Technology Acceptance Model
        Type: general
      – SubjectFull: Social influence
        Type: general
      – SubjectFull: Structural equation modeling
        Type: general
    Titles:
      – TitleFull: Generation Z's mobile payment adoption: integrating UTAUT model and government initiative impacts.
        Type: main
  BibRelationships:
    HasContributorRelationships:
      – PersonEntity:
          Name:
            NameFull: Motwani, Kirti
      – PersonEntity:
          Name:
            NameFull: Choubey, Somya
      – PersonEntity:
          Name:
            NameFull: Saxena, Abhineet
      – PersonEntity:
          Name:
            NameFull: Patni, Ity
    IsPartOfRelationships:
      – BibEntity:
          Dates:
            – D: 18
              M: 05
              Text: 5/18/2026
              Type: published
              Y: 2026
          Identifiers:
            – Type: issn-print
              Value: 21925372
          Numbering:
            – Type: volume
              Value: 15
            – Type: issue
              Value: 1
          Titles:
            – TitleFull: Journal of Innovation & Entrepreneurship
              Type: main
ResultId 1