Mobile payments and their applications have grown lucratively across the globe. Yet limited studies have attempted to investigate user's attitude on m-payments and their behavioral intention. Taking this as a research gap, this research investigates the important variables that build a positive attitude, behavioral intention and use towards m-payments by using the meta-UTAUT framework, with Islamic religiosity as a moderating variable. This research follows a single cross-sectional design using a survey methodology. 510 sample was collected from Gulf countries and Structural equation modeling analysis was used to test the proposed conceptual model. The results indicate performance expectancy and facilitating conditions are important variables that structure the dependant variables. Trust is found to be significantly related to behavioral intention and use. Also, Islamic religiosity is found to positively moderating the relationship of behavioral intention to use of m-payments. This research extends the framework of meta-UTAUT with trust and introduces Islamic religiosity as a moderating variable. This research contributes extensively to the m-payment literature and theories associated with meta-UTAUT propositions. With in-depth arguments proposed in hypotheses, the propostions contribute to motivation and social learning theories as well.

移动支付及其应用程序在全球范围内利润丰厚。然而，有限的研究试图调查用户对移动支付的态度及其行为意图。以此为研究空白，本研究通过使用元UTAUT框架，以伊斯兰宗教作为调节变量，调查了建立积极态度、行为意图和对移动支付使用的重要变量。本研究采用调查方法，采用单一横截面设计。从海湾国家收集了510个样本，并使用结构方程建模分析来测试提出的概念模型。结果表明，绩效预期和便利条件是构成因变量的重要变量。发现信任与行为意图和使用显着相关。此外，发现伊斯兰宗教正向调节行为意图与使用移动支付的关系。本研究以信任扩展了 meta-UTAUT 的框架，并引入了伊斯兰宗教作为调节变量。这项研究为与元 UTAUT 命题相关的移动支付文献和理论做出了广泛贡献。通过假设中提出的深入论证，这些命题也有助于动机和社会学习理论。这项研究为与元 UTAUT 命题相关的移动支付文献和理论做出了广泛贡献。通过假设中提出的深入论证，这些命题也有助于动机和社会学习理论。这项研究为与元 UTAUT 命题相关的移动支付文献和理论做出了广泛贡献。通过假设中提出的深入论证，这些命题也有助于动机和社会学习理论。