MWAIS 2024 Proceedings


Although payment in exchange for goods or services remains an intricate part of human life, its evolution across different multicultural settings continues. However, there remain many challenges associated with major electronic payment tools around the globe. This paper discusses the electronic payment challenges in Nigeria and the factors affecting adoption by exploring the introduction of the Payattitude NFC contactless payment system. This study uses biased blocking theory to explain how experience with Payattitude NFC contactless payment is blocked by preconceived bias from experience with other electronic payment technology held by individuals in Nigeria. Findings show that though Payattitude is first of its kind, blocking causes subsequent information to be ignored in favor of the preconditioned bias, even if the new information is highly relevant to the subject's decision. Findings also bring understanding of the attributes of an innovation that affects adoption of the Payattitude NFC contactless payment solution.