TECHNOLOGY ACCEPTANCE AND DECISIONS ON CHOOSING DIGITAL PAYMENT APPLICATIONS OF THE RESIDENTS IN BANGKOK METROPOLITAN

Abstract

The purposes of this study were to compare levels of technology acceptance and behaviors in the use of digital-payment applications; and to identify influencing factors in choosing the digital payment applications. The Technology Acceptance Model and Network Externality were used as a conceptual framework. This quantitative study used questionnaires for data collection. The samples were obtained through a stratified random sampling to include 400 application users. The data were analyzed by a bivariate analysis and a linear regression model. Results revealed that users of Application A demonstrated indifferent levels of technology acceptance and behaviors in the use of the applications from those of the Application B with statistical significance; and the top five influencing factors of the users of Application A and thou of Application B in choosing the mobile applications included (a) subjective norm, (b) injunctive norm, (c) descriptive norm, (d) perceived ease of use, and (e) behavioral intention.