Examining personal determinants of mobile payment adoption: evidence from Malaysian micro agro entrepreneurs

Mobile payments have grown rapidly as a digital payment system. However, in Malaysia, users remain hesitant to use mobile payment transactions. This study explores the influence of Mobile Usefulness (MU) and Mobile Ease of Use (ME) on Mobile Payment Adoption (MP) within the framework of the Mobile Technology Acceptance Model (MTAM). Both key personal determinants influence the adoption of mobile payment among micro Agro entrepreneurs. Using a quantitative approach, data was collected through a questionnaire and analysed using Statistical Package for Social Sciences (SPSS 20) and Partial Least Squares Structural Equation Modelling (PLS-SEM) version 4.0. Overall, the findings affirm that mobile payment adoption is strongly driven by personal perceptions of mobile usefulness and mobile ease of use, which explain approximately 49.6 percent of the variance. This study contributes empirical evidence for the Mobile Technology Acceptance Model (MTAM) and provides practical insights for local authorities, policymakers, service providers, and financial institutions seeking to strengthen Malaysia’s digital payment ecosystem among micro Agro entrepreneurs.