Examining Challenges to Adopting Digital Payments in Nigeria and the UK using the Unified Theory of Acceptance and Use of Technology Acceptance Model

Abstract

This study explores the factors that impact digital payment implementation in Nigeria and the UK utilizing an information-driven approach with 279 survey participants. Key determinants include ease of use (β = 0.306, p < 0.001) and acknowledged practicality (β = 0.542, p < 0.001), which positively impact adoption, while perceived uncertainty negatively affects attitudes (β = -0.190, p = 0.010). Routine significantly drives adoption (β = 0.202, p < 0.001), whereas social pressure has mixed effects, influencing adoption intention (χ² = 6.7391, p = 0.0094) but not attitudes (β = 0.128, p = 0.200). No notable distinction in adoption intention was found among both countries (t = 0.1327, p = 0.8945), indicating that barriers and drivers are behavioural rather than regional. Enabling conditions support adoption (β = 0.660, p = 0.001), while unexpected peer or community influence may deter it (β = -0.089, p = 0.044). The study highlights the need for userfriendly systems, security improvements, and educational initiatives to enhance adoption