PERTANIKA JOURNAL OF SOCIAL SCIENCES AND HUMANITIES

This study examines the moderating roles of demographic divides, such as gender, income, and education, on factors influencing mobile payment adoption among urbanites in Malaysia. An online survey questionnaire was used for data collection, which yielded 428 responses. PLS-SEM was employed to assess validity, reliability, hypothesis testing, and PLS-MGA of the study constructs. The findings of this paper revealed that perceived security, perceived ease of use, perceived usefulness, and trust were significantly related to mobile payment adoption. Gender, income, and education were found to moderate the results. This research provides important information to service providers, banking institutions, and the government to understand factors influencing mobile payment adoption and consider demographic characteristics of gender, income, and education in mobile payment adoption. This study explains the moderating effects of demographic divides on mobile payment adoption among urbanites that are rarely addressed in Malaysia.