Customer loyalty toward mobile wallet apps in the post-COVID-19 period: The moderating role of customer engagement in Jordan
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Received October 13, 2025;Accepted February 18, 2026;Published March 3, 2026
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DOIhttp://dx.doi.org/10.21511/im.22(1).2026.17
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Article InfoVolume 22 2026, Issue #1, pp. 238–249
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Type of the article: Research Article
Abstract
The COVID-19 boosted the adoption of mobile wallets, which resulted in heightened competition among the digital payment providers, and customer loyalty became a decisive factor to remain in use. This paper examines customer loyalty determinants to mobile wallet applications in Jordan by applying the Technology Acceptance Model (TAM) to determine trust, information quality, perceived security, customer engagement, and moderating effect of engagement. Online survey of the users of mobile wallets in Amman, Jordan, from January to April 2025, was used to collect the data that consisted of 365 valid responses. The proposed model was tested using the Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings have shown significant positive impact of customer loyalty on perceived usefulness (β = 0.24, p = 0.001), perceived ease of use (β = 0.21, p = 0.001), information quality (β = 0.18, p = 0.003), trust (β = 0.27, p = 0.001), perceived security (β = 0.22, p = 0.001), and customer engagement (β = 0.20, p = 0.00). The customer engagement has a moderate moderating effect on the relationships between the perceived usefulness and loyalty (β = 0.130, p = 0.006) and between the trust and the loyalty (β = 0.150, p = 0.001), but other paths do not have significant moderating effect. The model describes 64% in customer loyalty. The results show the significance of functional value, trust, and customer engagement in maintaining mobile wallets use in emerging economies and empirically support the idea of extending TAM to digital financial services setting.
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JEL Classification (Paper profile tab)D12, M31, G21
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References52
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Tables4
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Figures0
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- Table 1. Demographic distribution of respondents (N = 365)
- Table 2. Reliability and convergent validity
- Table 3. Structural model results (direct effects)
- Table 4. Moderation effects of customer engagement
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Conceptualization
Mohammad Mahmoud Saleem Alzubi
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Data curation
Mohammad Mahmoud Saleem Alzubi
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Formal Analysis
Mohammad Mahmoud Saleem Alzubi
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Funding acquisition
Mohammad Mahmoud Saleem Alzubi
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Investigation
Mohammad Mahmoud Saleem Alzubi
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Methodology
Mohammad Mahmoud Saleem Alzubi
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Project administration
Mohammad Mahmoud Saleem Alzubi
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Resources
Mohammad Mahmoud Saleem Alzubi
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Software
Mohammad Mahmoud Saleem Alzubi
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Supervision
Mohammad Mahmoud Saleem Alzubi
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Validation
Mohammad Mahmoud Saleem Alzubi
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Visualization
Mohammad Mahmoud Saleem Alzubi
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Writing – original draft
Mohammad Mahmoud Saleem Alzubi
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Writing – review & editing
Mohammad Mahmoud Saleem Alzubi
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Conceptualization
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Effect of work motivation and job satisfaction on employee performance: Mediating role of employee engagement
Problems and Perspectives in Management Volume 19, 2021 Issue #3 pp. 162-174 Views: 20485 Downloads: 9792 TO CITE АНОТАЦІЯTechnological developments are things that must be followed by companies to achieve a competitive advantage to improve performance. To achieve and improve performance, companies need active employee engagement by encouraging motivation and fulfilling their job satisfaction. This study aims to analyze the effect of motivation and job satisfaction on performance with employee engagement as a mediating variable. The research sample is Information Technology (IT) companies located in the cities of Jakarta and Bandung, Indonesia. Research respondents are system developers who handle system development activities for a project or part of an ongoing project. By using the convenience sampling technique 103 responses were obtained from IT developers. The research model analysis method uses Partial Least Square (PLS) with SMART PLS Ver 3.0 software. Empirical findings prove that motivation has a positive effect on the performance of IT employees, while job satisfaction is independent. Employee engagement does not directly affect employee performance, but the effect of mediation through motivation and job satisfaction can have a significant effect on employee performance. The research findings have managerial implications, in increasing high employee involvement, motivation needs to be encouraged to be more active and innovative, and facilitate the achievement of the desired results.
Acknowledgment
This study was made possible because of the full support of the Region III Education Service Institute (LL-DIKTI III), the Ministry of Education and Culture of the Republic of Indonesia, and the Research Center at Mercu Buana University, Jakarta. -
Quantitative study of selected Facebook marketing communication engagement factors in the optics of different post types
Ľudovit Nastišin
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Richard Fedorko
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Vladimir Vavřečka
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Radovan Bačik
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Martin Rigelsky
doi: http://dx.doi.org/10.21511/im.15(3).2019.02
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Perceived health risk, online retail ethics, and consumer behavior within online shopping during the COVID-19 pandemic
Yuniarti Fihartini
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Arief Helmi
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Meydia Hassan
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Yevis Marty Oesman
doi: http://dx.doi.org/10.21511/im.17(3).2021.02
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