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Users’ Evaluation of a New Web Browser Payment Interface for Facilitating the Use of Multiple Payment Systems

Author

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  • Oussama Tounekti

    (Department of Information and Communications Engineering, University of Murcia, 30100 Murcia, Spain)

  • Antonio Ruiz-Martínez

    (Department of Information and Communications Engineering, University of Murcia, 30100 Murcia, Spain)

  • Antonio F. Skarmeta-Gómez

    (Department of Information and Communications Engineering, University of Murcia, 30100 Murcia, Spain)

Abstract

The availability of multiple (mobile) electronic payment systems ((M)EPS) has led to the development of web browser payment interfaces that support various payment systems, facilitate the transaction, the choice of the payment system, and perform the payment. However, so far, no in-depth study on user satisfaction determinants with these interfaces has been conducted. Our work aims to cope with this issue. Thus, based on the analysis of payment literature and Google Chrome web browser (GCWB) payment interface, we propose a new web browser payment interface that considers users’ preferences to support multiple payment systems. Furthermore, we have developed a theoretical model to determine users’ preferences to support multiple payment systems. Our model is based on the extension of technology acceptance models. Finally, we evaluated both the theoretical and proposed payment interface through a survey research approach (n = 266); data were collected, and the hypotheses were tested via statistical analysis (chi-square test, regression coefficients). Our experimental results revealed that our proposed interface is accepted, easy to use, and satisfies users’ needs. The key factors for accepting a new web browser payment interface are ease of use, usefulness, security, confidentiality, privacy, payment method preferences, visual interface design, and credibility.

Suggested Citation

  • Oussama Tounekti & Antonio Ruiz-Martínez & Antonio F. Skarmeta-Gómez, 2021. "Users’ Evaluation of a New Web Browser Payment Interface for Facilitating the Use of Multiple Payment Systems," Sustainability, MDPI, vol. 13(9), pages 1-24, April.
    • Handle: RePEc:gam:jsusta:v:13:y:2021:i:9:p:4711-:d:541648
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    Cited by:

    1. Yoonyoung Hwang & Sangwook Park & Nina Shin, 2021. "Sustainable Development of a Mobile Payment Security Environment Using Fintech Solutions," Sustainability, MDPI, vol. 13(15), pages 1-15, July.
    2. Oussama Tounekti & Antonio Ruiz-Martínez & Antonio F. Skarmeta Gomez, 2022. "Research in Electronic and Mobile Payment Systems: A Bibliometric Analysis," Sustainability, MDPI, vol. 14(13), pages 1-24, June.

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