| Abstract | This research study examined the constructs influencing intention to use digital payments among Thai nationals and international residents living in Thailand. The research applies key predictors from technology acceptance models, including perceived ease of use, perceived usefulness, perceived security, subjective norms, attitude, and cultural acceptance. Cultural acceptance was also examined as a possible moderating variable. A quantitative methodology was applied, and online survey was the primary tool for collecting data, resulting in 439 valid responses. Descriptive results show that digital payment usage is widespread, with mobile banking services such as PromptPay used by most respondents. Many respondents use two or three payment types, showing broad familiarity across groups. Regression analysis indicates that attitude, subjective norms, and cultural acceptance significantly influence the intention to use digital payments. In contrast, perceived usefulness, perceived ease of use, and perceived security do not show significant effects when attitude and cultural acceptance are considered. These findings suggest that in a setting where digital payments are already common, subjective norms and cultural acceptance outweigh technical perceptions. Cross-group tests show no significant difference in intention across cultural or regional groups, although some perception differences exist, like lower security levels and ease of use among newcomers and higher ease of use among younger respondents. Cultural acceptance has a direct influence on intention. However, it only slightly moderates the relationships between the main predictors and intention to use. Overall, the study shows that intention to use Thailand’s digital payments is mainly shaped from user attitude, social influence, and cultural acceptance. These results highlight the importance of building supportive social environments and culturally inclusive communication to strengthen digital payment adoption among diverse groups. |
