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The use of online payment in Morocco during COVID19: An analysis of the TAM model by logistic regression
[L'utilisation du paiement en ligne au Maroc à l'heure de la COVID19 : Une analyse du modèle TAM par la régression logistique]

Author

Listed:
  • Nisrine Essanoussi

    (E.N.C.G - Ecole nationale de commerce et de gestion - USMBA - Université Sidi Mohamed Ben Abdellah)

  • Zineb Bennis Nechba

    (USMBA - Université Sidi Mohamed Ben Abdellah)

Abstract

Online payment represents one of the innovative ways of technology allowing consumers to benefit from financial services to pay for their purchases in less time and often with lower costs. This method of payment, which is carried out through digitalized applications, was implemented in response to the requirements and expectations of the modern consumer. In Morocco, banks have followed this evolution and are constantly developing their online payment services. Our work, which is based on the technology acceptance model, uses a questionnaire survey, administered online, on the acceptance of online payment by the effective customers of Moroccan banks. We study the following variables: perceived usefulness, perceived ease of use, security, privacy and use of the payment during the COVID 19. We use IBM® SPSS® 21 software and a logistic regression model to test our research hypotheses and answer our problem. Over a period of May 2020 to March 2021, our data collection resulted in 267 responses. After eliminating individuals who never opted for online payment, as well as responses with missing values, we retained a total of 201 valid and accepted questionnaires. Our study indicated that the context of the health crisis has reconciled many Moroccan consumers with online payment. Nevertheless, it should also be noted that the majority of consumers for whom the frequency of online payment increased during the health crisis and lockdown period already had a good acceptance of online payment.

Suggested Citation

  • Nisrine Essanoussi & Zineb Bennis Nechba, 2022. "The use of online payment in Morocco during COVID19: An analysis of the TAM model by logistic regression [L'utilisation du paiement en ligne au Maroc à l'heure de la COVID19 : Une analyse du modèle," Post-Print halshs-03705130, HAL.
    • Handle: RePEc:hal:journl:halshs-03705130
    DOI: 10.5281/zenodo.5850179
    Note: View the original document on HAL open archive server: https://shs.hal.science/halshs-03705130
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    References listed on IDEAS

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    1. Al-Okaily, Manaf & Lutfi, Abdalwali & Alsaad, Abdallah & Taamneh, Abdallah & Alsyouf, Adi, 2020. "The Determinants of Digital Payment Systems’ Acceptance under Cultural Orientation Differences: The Case of Uncertainty Avoidance," Technology in Society, Elsevier, vol. 63(C).
    2. Sharma, Sujeet Kumar & Sharma, Manisha, 2019. "Examining the role of trust and quality dimensions in the actual usage of mobile banking services: An empirical investigation," International Journal of Information Management, Elsevier, vol. 44(C), pages 65-75.
    3. Raphael Auer & Giulio Cornelli & Jon Frost, 2020. "Covid-19, cash, and the future of payments," BIS Bulletins 3, Bank for International Settlements.
    4. Tsutomu Watanabe & Yuki Omori, 2020. "Online Consumption During the COVID-19 Crisis: Evidence from Japan," Working Papers on Central Bank Communication 023, University of Tokyo, Graduate School of Economics.
    5. Tsutomu Watanabe & Yuki Omori, 2020. "Online Consumption During the COVID-19 Crisis: Evidence from Japan," CARF F-Series CARF-F-487, Center for Advanced Research in Finance, Faculty of Economics, The University of Tokyo.
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    Keywords

    TAM; e-payment; Moroccan consumers; COVID 19; logistic regression; e-paiement; consommateurs marocains; régression logistique;
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