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Demographic Influences on E-Payment Services

Author

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  • Winfred Yaokumah

    (Department of Information Technology, Pentecost University College, Accra, Ghana)

  • Peace Kumah

    (Ghana Education Service, Accra, Ghana)

  • Eric Saviour Aryee Okai

    (Department of Information Technology, Pentecost University College, Accra, Ghana)

Abstract

This study investigated customers' preferences of payment systems and the influence of demography on the attitude of customers towards e-payment services. Survey responses were received from 558 bank customers. The t-test and the analysis of variance were employed to examine the differences in perception of security, ICT literacy, customer satisfaction, and the use of e-payment services based on customers' age, gender, and the level of education. The findings revealed no significant differences between the male and female customers in the use of e-payment services. However, the male customers had higher ICT skills, yet perceived e-payment services less secured. Moreover, there were no significant differences in satisfaction and e-payment use, though, customers with higher level of education felt less secured using the services. Also, whereas the older customers were more satisfied with e-payment services, the younger customers had more ICT skills and use the services much more. These findings are necessary for formulating strategies for marketing e-payment services.

Suggested Citation

  • Winfred Yaokumah & Peace Kumah & Eric Saviour Aryee Okai, 2017. "Demographic Influences on E-Payment Services," International Journal of E-Business Research (IJEBR), IGI Global, vol. 13(1), pages 44-65, January.
    • Handle: RePEc:igg:jebr00:v:13:y:2017:i:1:p:44-65
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    Cited by:

    1. Mohammed Hersi Warsame & Yousif Abdelbagi Abdalla, 2024. "Impact of mobile financial services on financial inclusion: empirical insights from Kenya," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 71(3), pages 633-666, September.
    2. Md. Rasheduzzaman & Md. Salauddin Palash & Md. Mostaļ¬zur Rahman, 2021. "Factors Influencing The Use Of Mobile Payment Services In Selected Areas Of Bangladesh," Bangladesh Journal of Agricultural Economics, Bangladesh Agricultural University, vol. 42(1), June.

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