Effects of Psychological Barriers to E-payment on Alternative Attractiveness and Intention to Use: A Conceptual Framework
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Abstract
Despite technological advances in electronic payment (e-payment) systems and their increasing relevance in modern economies, many consumers, especially in countries like Thailand, remain hesitant to adopt these innovations. This conceptual model emphasizes the necessity of addressing these psychological barriers, especially traditional and image barriers to E-payment on alternative attractiveness and intention to use by presenting an innovation resistance theory that interlinks psychological resistance, alternative attractiveness, and intention to use. Finally, the findings are intended to inform not only academic debates but also strategic practices for both fintech innovators and policymakers seeking to drive inclusive digital transformation, and it offers recommendations for research design aimed at facilitating and accelerating the adoption of electronic payments as a mainstream payment modality in the future.
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This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
บทความที่ได้รับการตีพิมพ์เป็นลิขสิทธิ์ของมหาวิทยาลัยเทคโนโลยีราชมงคลอีสาน
ข้อความที่ปรากฏในบทความแต่ละเรื่องในวารสารวิชาการเล่มนี้เป็นความคิดเห็นส่วนตัวของผู้เขียนแต่ละท่านไม่เกี่ยวข้องกับมหาวิทยาลัยเทคโนโลยีราชมงคลอีสานและคณาจารย์ท่านอื่นๆในมหาวิทยาลัยฯ แต่อย่างใด ความรับผิดชอบองค์ประกอบทั้งหมดของบทความแต่ละเรื่องเป็นของผู้เขียนแต่ละท่าน หากมีความผิดพลาดใดๆ ผู้เขียนแต่ละท่านจะรับผิดชอบบทความของตนเองแต่ผู้เดียว
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