The Moderating Effect of Technology Awareness on the Relationship between UTAUT Constructs and Behavioural Intention to Use Technology: A Conceptual Paper

The volume and value of cash-based transactions in Nigeria is high and expected to rise. This is liked to non-adoption of new e-payment process introduced by the Central Bank. The adoption of Point of Sale (POS) terminal is reported to be very low. A number of researchers have used several technology adoption theories to answer a similar phenomenon, but their studies were fragmented. Thus the Unified Theory of acceptance and Use of Technology (UTAUT) combined eight among those numerous theories and models of technology adoption, toward a unified view. However, several studies that used UTAUT and investigate behavioural intention to use technology yielded conflicting findings. Therefore this paper, based on review of past literature, conceptualised that ‘technology awareness’ moderates the relationship between performance expectancy, effort expectancy, social influence, facilitating conditions and behavioural intention to use POS.