Technology adoption theories

Today's cell phones have become multifunctional tools, enabling users to play games, take photos and videos, surf the Internet, or even geolocate themselves. The cell phone has become much more than a simple means of communication: it can be used to carry out a variety of transactions, from paying for a transport ticket to more complex financial operations. This use, known as Mobile Payment, is gradually establishing itself as an essential method of payment in many parts of the world. In Morocco, the first mobile payment solutions saw the light of day a few years ago, but have not yet met with the expected success. However, their widespread adoption could play a key role in increasing financial inclusion, while helping to reduce the circulation of cash. This book sets out to model the determinants of mobile payment acceptance. To do so, it draws on an in-depth analysis of the main theories of technology adoption, with the aim of proposing a theoretical model of mobile payment acceptance applicable to the Moroccan context.