Abstract
The purpose of this article is to study the antecedents of behavioral intention toward mobile money, as well as the mediating impact of trust on behavioral intention and financial inclusion, using an enlarged unified theory of technology acceptance and use. The data were collected and analyzed using SmartPLS 3.0. To establish the exogenous constructs’ relevance and performance, a matrix analysis of importance-performance was performed. The findings reveal that the behavioral urge to utilize mobile money is primarily driven by awareness, structural assurance, habit, and performance expectation. The behavioral intention of mobile money will considerably influence its adoption, and trust will not operate as a mediator between behavioral intention and financial inclusion.
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