Understanding Mobile Payment Platform Adoption: The Mediating Role of Perceived Security and Trust in Kuwaiti Market

Trust and perceived security are critical predictors of mobile payment platform adoption; however, a gap remains in examining these factors as antecedents—an essential area of focus given the prominent role of security concerns. This study explores how security measures, payment culture, perceived security, and trust influence users' attitudes toward mobile payment platforms in Kuwait. Data collected from 453 surveys were analysed and findings reveal that perceived security (PS) and trust significantly shape users' attitudes toward mobile payment adoption. Security rules and policies (SRP) and security responsibility commitment (SRC) positively influence both PS and trust, whereas security technology protection (STP) does not. Furthermore, uncertainty avoidance (UA) enhances both PS and trust. The study emphasises the importance of communicating security measures and cultural factors to build trust and encourage mobile payment adoption. These insights provide valuable guidance for service providers in developing strategies that address key drivers of user attitudes.