* Corresponding author. E-mail address: hungdn999@gmail.com (N. H. Do) © 2019 by the authors; licensee Growing Science, Canada doi: 10.5267/j.msl.2019.7.011 Management Science Letters 9 (2019) 1941–1954 Contents lists available at GrowingScience Management Science Letters homepage: www.GrowingScience.com/msl An empirical analysis of Cambodian behavior intention towards mobile payment Nam Hung Do a* , Jacquline Tham a , Abdol Ali Khatibi a and S. M. Ferdous Azam a a Management and Science University (MSU), Malaysia C H R O N I C L E A B S T R A C T Article history: Received: June 12, 2019 Received in revised format: June 29 2019 Accepted: July 6, 2019 Available online: July 6, 2019 Mobile payment is becoming an evitable trend in the globe and is well expanding rapidly into emerging countries. Many research models are developed and confirmed that behavior intention is an important fact which decides the level of using mobile payment among users. The existing research models have made empirical evidences confirming behavior intention depended on per- formance and effort expectancy. This research expands previous empirical evidence by involving perceived transaction speed as an important explanatory variable to both performance expectancy and effort expectancy and also captures how behavior intention is influenced by performance ex- pectancy and effort expectancy among Cambodian users. A total of 200 questionnaires were col- lected, analyzed and summarized for this study. Result reveals that performance expectancy and effort expectancy affect positively and significantly on behavior intention. Perceived transaction speed has a positive and significant relationship with effort expectancy but Perceived transaction does not have any positive and significant relationship with performance expectancy. Result from this study also concludes the role of perceived transaction speed which is affecting intention to use mobile payment among users. However, there are some limitations to be addressed for the future researches; this research may include larger samples to find out the clear effect on behavior inten- tion of the end-users. © 2019 by the authors; licensee Growing Science, Canada Keywords: Mobile payment (m-payment) Perceived transaction speed Performance expectancy Effort expectancy Behavior intention 1. Introduction Mobile payment refers to the capability of making payment electronically and it is positioned as suc- cessful application to electronic commerce (Carr, 2008). Global non-cash payment was grown nearly 10%, from US$332 billion in 2012 to US$483 billion in 2016, in which North America and Europe consume the largest share in total transaction value (Capgemini., 2018). A significant trend in global non-cash payment captures the highest compound annual growth rate of emerging Asia and it was stood at 31% during the period of 2012-2016. It is expected that global non-cash payment will reach US$1 trillion in 2019 (The Statistics Portal., 2019). The appearance of mobile payment is particularly im- portant for developing countries where the financial accessibility is still lower than the developed coun- tries. It is reported that more than half of global population are living under poverty conditions and they are unable to access formal financial system and therefore cannot access to affordable financial services (Pelletier et al., 2017; Beck et al., 2008; Beck and Cull, 2013). Moreover, empirical evidences indicate