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Until recently, however, the role of personality in overall, and the big five model of personality, in particular, had remained mostly unexplored. This article aims to ascertain the impact of personality traits on m-payment adoption. Data were collected from 323 m-payment customers and analyzed using a two-step research methodology. SEM was applied to test the hypothesis, and significant antecedents of m-payment were identified. Next significant personality factors were input to a neural network model for ranking. 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