This research aims to find the factors that will influence Generations X and Y consumers to utilize mobile payment in the Philippines. A self-administered questionnaire was sent to 160 respondents from Generation X and 160 respondents from Generation Y. The theory of planned behavior was used as a framework. Attitude towards mobile payment, subjective norms, and perceived behavioral control were used to predict the intention to use mobile payments. The results show that attitude is the most significant predictor of intention to adopt mobile payment from Generations X and Y. This implies that the more favorable the attitude, the more likely they will adopt it. The relationships between perceived usefulness, perceived ease of use, and intention to use mobile payment are significant among Generation X. This suggests that Generation X is likely to adopt mobile payment if it is easy to use and useful. Marketers can create an easy step-by-step guide on how to use mobile payment. On the other hand, trustworthiness and compatibility are significant to Generation Y’s intention to use mobile payment. This implies that marketers who want to attract Generation Y should introduce mobile payment as a trusted technology compatible with the Generation Y lifestyle. This study has important implications for marketers of mobile payment who want to attract Generations X and Y.
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