Abstract
The objective of this research was to examine QR code payment acceptance during the COVID-19 outbreak in Thailand. A comprehensive research model answering QR code payment users’ intentional behavior was insufficient to some extent. Moreover, the recent pandemic crisis has increased the perceived susceptibility to COVID-19. To explore the behavioral intention during the unprecedented time more thoroughly, the technology acceptance model was extended with the subjective norm, facilitating conditions, personal innovativeness, perceived susceptibility, and perceived security. The data were collected from 384 QR payment users and the final sample was 377. The IBM SPSS Statistics and Amos programs version 28 have been utilized for data analysis. Besides, the structural equation modeling was applied to test the structural relationship and hypotheses. The results confirmed that perceived usefulness, facilitating conditions, personal innovativeness, and perceived security have a significant influence on the behavioral intention to use QR code payment. Notwithstanding, perceived ease of use, subjective norm, and perceived susceptibility had an insignificant impact on behavioral intention. The influence of perceived susceptibility on behavioral intention was rejected due to the users had a high familiarity and previous experience before the epidemic. This research paper practically contributed to the retail businesses, online applications and platforms, commercial banks and digital payment application providers, digital payment methods, and the Thailand government. Additionally, this study theoretically contributed to a saturated TAM theory with the essential determinants.
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Ponsree, K. QR code payment in Thailand 4.0 era: expand the understanding of perceived susceptibility to COVID-19 in the TAM theory. Curr Psychol (2024). https://doi.org/10.1007/s12144-023-05605-x
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DOI: https://doi.org/10.1007/s12144-023-05605-x