The Evolving Research of Customer Adoption of Digital Payment: Learning from Content and Statistical Analysis of the Literature

Sahi, Alaa Mahdi; Khalid, Haliyana; Abbas, Alhamzah F.; Khatib, Saleh F.A.

doi:10.3390/joitmc7040230

Cited by 150Technology Adoption and User BehaviourHealth, Technology, Consumer BehaviorConsumer Behavior and Marketing Influence

The Evolving Research of Customer Adoption of Digital Payment: Learning from Content and Statistical Analysis of the Literature

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Sahi, Alaa Mahdi, Khalid, Haliyana, Abbas, Alhamzah F., Khatib, Saleh F.A.·2021·Journal of Open Innovation: Technology, Market, and Complexity

DOI 10.3390/joitmc7040230

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Abstract

The global spread and use of the internet and mobile phones has contributed to the development of digital payments.Despite its growth potential, until now there is a lack of research providing a comprehensive synthesis and analysis of factors affecting the use, adoption, and acceptance of digital payment methods.This study aims to address this gap by providing a comprehensive review of the related literature retrieved from Scopus and Web of Science databases.Following a systematic method, a final sample of 193 research articles was identified and analysed.The results highlight that a single theory has failed to comprehensively explain the complex nature of electronic payment adoption.The key limitation of the existing theories is their inability to consider the role of social and cultural facets in the adoption of new technology.While literature reviews are a widespread practice in business studies, there are scant reviews that use the systematic review methodology that aggregates knowledge using clearly defined processes and criteria.This is the first systematic review on electronic payment adoption, which structures the existing knowledge and provides directions for future research.

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Trust in the financial system positively influences the use of digital payments.
“Empirical evidence demonstrates a relationship between trust in the financial system and the use of electronic payments, especially for other regions (Liu et al., 2019; Sahi et al., 2021).”
From Digital Payments Trust in Latin America and the Caribbean (2025) · cites this paper as Sahi et al., 2021
Section 3.3.1 (page not supplied) reports that trust strongly influences e-payment adoption, supporting the general relationship. It does not identify trust in the financial system specifically, and its discussion of adoption does not establish an effect on actual payment use. (LLM, conf=0.84)
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Authors: Sahi, A. M., Khalid, H., Abbas, A. F., & Khatib, S. F. A.
Affiliations: University of Wasit (IQ)
University of Business and Technology (SA)
University of Technology Malaysia (MY)
Corresponding author: Khatib, Saleh F.A.
ORCID: Sahi, Alaa Mahdi
Khalid, Haliyana
Abbas, Alhamzah F.
Khatib, Saleh F.A.
Venue: Journal of Open Innovation: Technology, Market, and Complexity
Publisher: Elsevier BV
Published: 2021-12
Volume: 7
Issue: 4
Pages: 230
ISSN: 2199-8531 (ISSN-L)
DOI: 10.3390/joitmc7040230
OpenAlex: W3216549391
Cited by: 124
References: 144
Citations by year: 2026: 17 · 2025: 36 · 2024: 27 · 2023: 22 · 2022: 22
FWCI: 15.14
Type: journal article
Language: en
Open access: gold
doi.org
Licence: cc-by-nc-nd
www.elsevier.com/tdm/userlicense/1.0/ (tdm)
www.elsevier.com/legal/tdmrep-license (tdm)
creativecommons.org/licenses/by-nc-nd/4.0/ (vor, 366 d)
Locations: Journal of Open Innovation Technology Market and Complexity (publishedVersion, cc-by-nc-nd)
RePEc: Research Papers in Economics (submittedVersion)
DOAJ (DOAJ: Directory of Open Access Journals) (submittedVersion)
DOAJ (DOAJ: Directory of Open Access Journals) (submittedVersion, cc-by-sa)
Econstor (Econstor) (submittedVersion, cc-by)
Topics: Social Sciences › Decision Sciences › Information Systems and Management › Technology Adoption and User Behaviour
Health Sciences › Health Professions › Health Information Management › Health, Technology, Consumer Behavior
Social Sciences › Business, Management and Accounting › Marketing › Consumer Behavior and Marketing Influence
Keywords: digital payment adoption, digital payments, technology acceptance, consumer adoption, sociocultural factors, adoption theory, mobile payment, internet adoption

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The Evolving Research of Customer Adoption of Digital Payment: Learning from Content and Statistical Analysis of the Literature

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