Original scientific paper
https://doi.org/10.1080/1331677X.2017.1305791
The determinants of electronic payment systems usage from consumers’ perspective
Emrah Oney
Gizem Oksuzoglu Guven
Wajid Hussain Rizvi
Abstract
Electronic Payment Systems (EPS) have been improving individuals’
quality of life through providing ease of payment for online
transactions. The effects of trust and security on the use of EPS have
long been recognised in e-commerce literature. However, very few
studies have examined these two concepts from the viewpoint of
users. This study has developed a conceptual model to examine the
determinants of perceived security and trust as well as the impact
of perceived security and trust on the use of EPS. A sample of 299
respondents was analysed through structural equation modelling
(SEM); the findings indicate that both perceived security and trust
have a significant influence on EPS use. Technical protection and
past experience have been found to be the common determinants
of perceived security and trust. Managerial implications of the findings
are discussed in light of the study’s limitations and suggestions for
further research indicated.
Keywords
Perceived trust; perceived security; past experience; electronic payment systems (EPS); structural equation modelling; SEM analysis
Hrčak ID:
180825
URI
Publication date:
1.12.2017.
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