The mobile technology acceptance model: Origins, strengths, and applications in cross-border QR payments

Abstract

The Mobile Technology Acceptance Model (MTAM) provides a valuable framework for understanding the use of QR mobile payments across borders, particularly in tourism and international transactions. This study explores the origins, strengths and applications of MTAM, highlighting its relevance in addressing key challenges in mobile payment adoption. Although QR-based payments offer a convenient and efficient method for financial transactions, their adoption is hindered by regulatory inconsistencies, security concerns, interoperability issues and consumer awareness gaps. This research categorizes these barriers and emphasizes the importance of harmonizing international financial regulations, improving the connectivity of payment systems, and increasing consumer trust to facilitate widespread adoption. The study also discusses how fluctuating exchange rates and high transaction costs impact the efficiency of cross-border payments. The findings suggest that advanced security measures, AI-driven fraud detection, and blockchain integration can significantly improve the reliability and trustworthiness of QR-based mobile payments. Future research should highlight the need for future research on AI-driven fraud detection, blockchain integration and comparative studies across different cultural and economic landscapes to improve trust and security in cross-border mobile transactions.