A Framework for Exploring Factors Affecting the Usability of Electronic Payment Systems (original) (raw)
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2020
This study aimed to identify the factors affecting the adoption of electronic payment system(the e-fawateercom system in Jordan). The study used a descriptive analytical method based on a simple random sample. Made up of users of e-fawateercom system in Jordan in general based on the Technology Acceptance Model(TAM) and diffusion of Innovations theory; to achieve the objective of the study. The researchers were developed and distributed a questionnaire on the study sample. The number of questionnaires distributed are(420), only 392 were returned and analyzed, which accounted for(93%) of the questionnaires distributed. The researchers used different statistical measures and tools to analyze the data. The results of the study showed that there is an effect of all the variables of the study (relative advantage, compatibility, security, trust, perceived ease of use and perceived usefulness) on the adoption of electronic payment system. Based on results, recommendations were given by the researches.
Evaluating The Features Of Electronic Payment Systems In Iranian Bank Users' View
www.semanticscholar.org, 2010
The goal of this research is evaluating the specifications of electronic payment systems in the view of Iranian bank users. Reviewing the specifications was done in four substructures such as technical, legal, security and socio-economic. Reviewing this subject for designing and establishing proper electronic payment systems is necessary. This research is measurable. A questionnaire about specifications of used types of electronic payment systems was designed in Likert Spectrum form, and between 300 Users’s of electronic payment system in Tehran's Parsian Banks in period of February2009 to May 2009 distributed. The statistical dataanalyzed by SPSS soft ware. And used one way ANOVA for preobsorvation test and Kruskal Wallis test for ranking the specifications in each other substructure and each substructure.According to studies on the main factors of evaluating electronic payment services, it considers that in the view of users, is socio economical index.
Determinants of E-Payment Systems Success
International Journal of E-Adoption, 2012
The success of an information system (IS) depends on the users’ satisfaction with the system. In this study, the Technology Acceptance Model by Davies (1989) was extended. The paper synthesized the technology acceptance model (TAM) to explain and predict the success of e-payment system using users’ satisfaction as dependent variable. The hypothesized model was validated empirically using a sample data collected from of a modified e-payment questionnaire. A total of 74 teaching and non teaching academic staff selected from the Faculty of Communication and Information Sciences, University of Ilorin, Nigeria constituted the sample for the study. The results revealed correlation among perceived benefits, perceive enjoyment, speed; service quality, perceive ease of use and actual use and e-payment success. Moreover, all the seven e-payment predictive factors together made 69% of e-payment system success. Similarly perceived benefits, perceive enjoyment, speed; service quality, perceive e...
Factors Affecting Saudi Consumers' Acceptance Towards the Use of Electronic Payment
2021
The advancement of Electronic Payment (E-P) was aided by the global spread and usage of the internet and cell phones. In Saudi Arabia, there is a scarcity of research that offers a systematic synthesis and study of the factors influencing the utilize and acceptance of electronic payment approaches. E-P popularity has been reached out to a mass in Saudi Arabia which brings more research on its consumers. E-payment (E-P) have been widely accepted to a large number of consumers in Saudi, which brings a great demand of this sector, this research has been done to check over it, pros and cons. In view of the promising growth of e-payment in Saudi Arabia, the aim of the study is to discover the factors affecting e-payment acceptance from the perspective of Saudi consumers. Consumer adoption of e-payment is influenced by factors such as perceived protection, subjective standard, self-efficacy, ease of use, trust, and benefits, according to the literature. The link between the decision of an e-payment and the actual use of an e-payment is then investigated. A self-reporting survey has been created and distributed to 850 people, with 406 eligible statistical answers considered. According to the conclusions, only perceived easy use has a positive effect on perceived utility. According to the SPSS multi-regression study, gains, subjective standard, self-efficiency, and usage simplicity affect the perceptions of e-payment systems by Saudi consumers, whereas confidence and protection are not significantly related with e-payment systems perceptions by consumers. In addition, important coefficients were discovered Engineering Letters
International Business Research, 2016
This study aims to identify the factors influencing commercial banks customers intention toward electronic payment services in Jordan (AL-Karak) province. To achieve the aim of the study, a questionnaire has been developed to explore the effect of the independent variables (relative advantages, simplicity, security, consciousness and self efficacy) on the dependent variable (banks customers intention toward E-payment services). Six hundred questioners had distributed and 543 were returned to be valid for the final analysis with response rate of 90.5%. SPSS v 18 was used to test the reliability and composite reliability, normal distribution and correlation between the study variables. Also, Amos v 8 software has been used to examine the study hypotheses. Results of this study indicates an acceptance to four hypotheses related to influence of security, self efficacy, consciousness and simplicity continually. We reject one hypotheses related to relative advantages on banks customers toward E-payment services adoption. Finally, set of recommendations had been present throughout the study.
Pakistan Journal of Life and Social Sciences
The study endeavors to analyze the factors driving the adoption and application of Internet-based bank services in the Sudan with a special emphasis on e-banking. Utilizing TAM's structure, this research explains the usage of customers on the internet banking world by focusing on these features: utility, user-friendliness, trust management, and cultural considerations. It was revealed that, although security and reliability remain one of the most significant concerns in banking, end users are also looking for a bank with good design, enjoyable features and which is socially ideal. The study highlights the increasing popularity of mobile transaction services in emerging markets, highlighting the need for better understanding of user behavior and optimizing their usefulness and establishment in Sudan
Determinants of customer acceptance of e-banking in Iraq using technology acceptance model
TELKOMNIKA Telecommunication, Computing, Electronics and Control, 2021
Electronic banking (e-banking) is a form of banking in which funds are transferred through an exchange of electronic signals along to the traditional banking process as the exchange of cash, checks, or other types of paper documents. Moreover, the general tendencies of the Iraqi government in line with other countries to adopt e-banking and provide e-services to customers. However, the determinants of e-banking services need to investigate to determine the variables affecting the rate of such adoption. Thus, the main aim of this study is to identify the determinants of e-banking services in Iraq. Hence, this study gives an investigation using the technology acceptance model (TAM) by selecting a sample for many Iraqi banks' customers and staff to determine the determinants of user acceptance of e-banking. A preliminary study was conducted to empirically determine the user acceptance determinants of e-banking. For data collection, a quantitative method was used represented by the questionnaire. The selected sample for the investigation is 200 (customers and staff). Several methods have used for data analysis such as hierarchical regression, one-way ANOVA, descriptive statistics, t-test as well as structural equation modeling (SEM). The obtained outcomes show there are several determinants of e-banking services in Iraq that have determined in this study. Moreover, this study confirms the overcoming of those determinants will give a highly positive impact on e-banking services. Keywords: E-banking adoption Traditional banking Determinants of e-banking Technology acceptance model Structural equation modeling This is an open access article under the CC BY-SA license.
A Model of Factors Influencing Consumer's Intention To Use E-payment System in Indonesia
Procedia Computer Science, 2015
In the recent years, electronic commerce (e-commerce) in Indonesia has growing rapidly. E-commerce became an opportunity for company to increase their selling. Electronic payment (e-payment) was developed to facilitate e-commerce transactions beetwen consumer and seller. In this study, we will investigate consumer's intention to use e-payment. The proposed research model was developed by extending the unified theory of acceptance and use of technology (UTAUT) with culture and perceived security into the model, in order to determine the significance factors that influence acceptance of e-payment technology. Through this model, researchers can have a more accurate explanation of the consumer behavior not only in terms of acceptance of the technology, but other factors considered influential on consumers such as culture and perceived security in the origin country. This model will be used to examine consumer's behaviour in Indonesia.
A Comparative Analysis of E-Banking Usage and Technology Acceptance in Iraqi and Indonesian Banks
2020
This paper is a continuous investigation work of a previous publication titled "Ebanking Implementation and Technology Acceptance in the Rafidain and Rasheed Banks in Iraq: An Employee Perspective." Then, This study investigated E-banking usage and technology acceptance of two developing countries, Iraq and Indonesia, which are similar in nature in terms of time implementation of technologies. This study aimed to examine the factors impacting on E-banking usage and technology acceptance, which are the Technology Acceptance Model (TAM) as a basic model it included independents variables of Perceived Ease of Use, Perceived Usefulness, Task-Technology Fit, and Perceived IT Beliefs. The attitude was as intervening and Intention to Use as a dependent variable from Iraqi and Indonesian banks employee perspective, and two Indonesian banks (Bank Negara Indonesia and Mandiri Bank). A survey questionnaire was used to collect the data. Then, the data were analyzed using PLS software. The hypothesis analysis results uncovered that there was a critical effect on all factors model to attitude for both experimental tried in Iraqi banks and Indonesian banks. However, only Perceived Ease of Use did not affect the analysis of employee perception of the application of e-banking system and technology acceptance for both empirical tests in Iraqi banks and Indonesian banks.