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The determinants of electronic payment systems usage from consumers’ perspective

Author

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  • 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.

Suggested Citation

  • Emrah Oney & Gizem Oksuzoglu Guven & Wajid Hussain Rizvi, 2017. "The determinants of electronic payment systems usage from consumers’ perspective," Economic Research-Ekonomska Istraživanja, Taylor & Francis Journals, vol. 30(1), pages 394-415, January.
    • Handle: RePEc:taf:reroxx:v:30:y:2017:i:1:p:394-415
    DOI: 10.1080/1331677X.2017.1305791
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    Cited by:

    1. Hassanudin Mohd Thas Thaker & Niviethan Rao Subramaniam & Abdul Qoyum & Hafezali Iqbal Hussain, 2023. "Cashless society, e‐wallets and continuous adoption," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 28(3), pages 3349-3369, July.
    2. Nenad Tomić & Zoran Kalinić & Violeta Todorović, 2023. "Using the UTAUT model to analyze user intention to accept electronic payment systems in Serbia," Portuguese Economic Journal, Springer;Instituto Superior de Economia e Gestao, vol. 22(2), pages 251-270, May.
    3. Volvach Olena, 2023. "Assessment of the efficiency of use of EPS by business," Economics, Sciendo, vol. 11(1), pages 233-249, June.

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