Back in the early 2000s, electronic payments (e-payments) were divided into cash and cheques like traditional payment systems. Both are direct payment systems, meaning payments require communication between the seller and the buyer. As e-payments evolve, so do the definitions. Payment is the component of the transaction that is executed while making payment. As E-commerce has evolved, electronic payment systems have been implemented. The study aims at defining the impact of perceived compatibility, social influence, personal innovation, and facilitating conditions for customer intention who use mobile phones to make payments in Malaysia. This research shows that the UTAUT model is helpful for academicians and advertisers as a means of understanding consumers' intentions to adopt new technologies such as e-payments when used in conjunction with other research purposes. The result of the study shows that there is a relationship between dependent variables (social influence, perceived compatibility, and facilitating condition) and independent variables (adoption of e-payment). However, there is no relationship between personal innovativeness and customers’ intention to use mobile phones for e-payment in Malaysia. Therefore, the study approves that effort expectancy and social influence have a significant relationship with the adoption of e-payment. The methodology of this study was to provide quantitative data by distributing online questionnaires among 150 targeted respondents. Three data analysis models were used in this study: Data Analysis Descriptive Analysis (DADA), Multiple Linear Regression (MLRB), and Pearson Correlation Coefficient Analysis (PCCA). The survey was conducted using SPSS Version 27.
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