Examining Consumers’ Continuance Intention to Use P2P Mobile Payment Systems: An Extended TPB Approach

Consumers are increasingly utilizing their smartphones to pay for goods and services, taking advantage of a variety of mobile payment options. Among these, Peer-to-Peer (P2P) mobile payment systems have gained global momentum, becoming one of consumers’ preferred choices. This study aims to examine the factors influencing consumers’ continuance intention to use CliQ, a P2P mobile payment system in Jordan. Following a thorough literature review, we extend the Theory of Planned Behavior (TPB) by integrating perceived structural assurance, perceived usefulness, and satisfaction. The Partial Least Squares Structural Equation Modeling (PLS-SEM) results indicate that perceived structural assurance significantly affects both consumer attitude and perceived security. The findings also suggest that attitude is the most influential factor in the proposed research model, while perceived usefulness and perceived behavioral control emerged as key drivers of user satisfaction and continuance intention. Furthermore, satisfaction was found to be a strong predictor of consumers’ continuance intention. These findings enrich the literature and provide valued implications for mobile-payment service providers and application developers.