# Provoking Actual Mobile Payment Use in the Middle East
## Literature Review
### Hypothesis Development
**_A consumer's technical feasibilities influence an individual's intention to use mobile payments and ultimately affects the actual user behaviour._  
**Mobile Payment Perceived Trust**: Trust is \"a psychological expectation that others will be sincere in keeping promises and will not behave opportunistically in expectation of a promised service derived from the mobile transaction\" [14]. It is essential and curtailed, particularly when related to financial transactions, mainly when the transactions are processed via a wireless network [27]. The term trust in payment services means that the user has a certain level of confidence in the service provider's ability, integrity, and benevolence [27]. Therefore, building consumer trust leads to a long relationship with the consumer and continued use of mobile payments [27]. In addition, the effect of perceived trust was previously measured on a quantitative study including an analysis of 1245 respondents, and it was found that perceived trust has a substantial impact on the intention to adopt mobile banking. This formulates the following hypotheses. **Hypothesis 5 (H5). **_Perceived trust influences an individual's intention to use mobile payments and ultimately affects the actual user behaviour._  
**Perceived Usefulness and Ease of Use**: Perceived usefulness triggers an adequate response (attitude toward using), which forms the behavioural intention to use and ultimately determines the actual behaviour [12]. Process complexity is another factor that affects the intention to use mobile payments. Therefore, the rate of adoption of mobile payments is faster among consumers with convenient access to mobiles and other technologies than those who do not. Similar to the perceived usefulness, financial resources also affect the perceived ease of use. It has an inverse relationship; the higher the perceived financial resources, the lower the intention to use [14]. This formulates the following two hypotheses. **Hypothesis 6 (H6). **_Perceived usefulness influences an individual's intention to use mobile payments and ultimately affects actual user behaviour._  
**Hypothesis 7 (H7). **_Perceived ease of use influences an individual's intention to use mobile payments and ultimately affects the actual user behaviour._  
**Perceived Security Risk**: The feel of a safe environment is essential to adopting any new technology. The user wants to feel that the service is reliable and safe. The privacy of data and financial assets are always a priority in customers' minds. Data might be lost or stolen from mobile devices or bad applications such as malware, viruses, malicious software, and hacker attacks [28]. Therefore, consumers are more likely to use the mobile payment service if they believe that mobile service providers and retailers are honest; sincerely keep their promises; and take full responsibility in the eventuality of any identity theft, fraud, or security issues [14]. **Hypothesis 8 (H8). **_Perceived security risk influences an individual's intention to use mobile payments and ultimately affects the actual user behaviour._  
**Attitude**: This can be referred to as the person's feeling regarding whether the behaviour is favourable or unfavourable [29]. The positive or negative attitude is impacted mainly by the intensity of the behaviour and convictions concerning the likelihood of the result [12; 29]. Many previous studies have considered attitude as a common factor for determining the adoption of mobile payments. As a result, it drove the researcher to hypothesize that users' attitudes toward mobile payment positively influence the adoption of mobile payments [3]. In the context of mobile payment, the more favourable or more robust the attitude toward mobile payment, the more positive the individual's intention toward actually using mobile payment. **Hypothesis 9 (H9).