Factors affecting the adoption of electronic payment methods and their role in promoting digital financial inclusion: Jordan's experience

This study aimed to identify the factors affecting the intention of banking sector customers to adopt electronic payment methods and their role on promoting digital financial inclusion / a Jordanian experiment. The study population consisted of a random sample of Jordanian banking sector customers, as an electronic questionnaire designed by the researcher was distributed to community members in various regions of the Kingdom (North, Central and South), where (591) of banking sector customers were retrieved, and the number of questionnaires that were valid for analysis was (571), and in order to test the hypotheses, the structural equation model (PLS- SEM) was used. The study conducted by the researchers reached a set of results, the most important of which was that all factors affecting the desire of banking sector customers to adopt electronic payment methods, namely ease of use, perceived usefulness, perceived security, perceived trust, social impact, flexibility and speed of response, and cost of service, positively significantly affect the customers' attitude towards using electronic payment methods provided by the banking sector, and thus it can be said that the adoption of electronic payment methods positively affects the activation of digital financial inclusion. Based on the findings of this study, the researchers recommend the management of banks to give more importance to electronic payment methods to increase the quality of electronic banking services in the Jordanian banking sector, as well as they recommend the management of banks to accelerate the adoption of innovations and innovations in new electronic payment methods to maintain their customers and ensure their continued use in light of the emergence of a new competitor in the market, namely financial technology companies that provide the same services. The study also recommends conducting comparative studies to know the behaviour of individuals using electronic payment methods between countries that apply electronic payment methods to reach to results that can be utilized in countries that still suffer from weaknesses in this area