Factors Affecting the Intention to Use Mobile Payment Services
Shaina Mae A. Dela Vega, Yieshen B. Saudoc, Andrea G. Camao, Iresh Kenneth V. Manamao, April Mae Jane R. Enriquez, Emmalyn J. Navarro
Asian Journal of Education and Social Studies · pp. 865–877 · Published 5 Mar 2026
10.9734/ajess/2026/v52i22885Abstract
This study investigated the factors influencing the intention to use mobile payment services among residents of Barangay Poblacion, Cateel, Davao Oriental, a rural area that remains underexplored in mobile payment research. Guided by technology adoption theories, the study examined the influence of convenience of mobility, compatibility, mobile payment knowledge, ease of use, trust in safety, and perceived usefulness on intention to use mobile payment services. A descriptive-correlational research design was employed, and data were collected from 246 respondents using a structured questionnaire adapted from a validated instrument. Mean analysis and Pearson’s correlation were used to analyze the data. The results showed that perceived usefulness, convenience, compatibility, and mobile payment knowledge had significant relationships with intention to use, while trust showed no significant relationship. The findings offer practical insights for mobile payment service providers and policymakers in improving usability, accessibility, and trust mechanisms to support mobile payment adoption in rural communities.
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