An Investigation about Customers Perceptions of Security and Trust in E-Payment Systems among Iranian Online Consumers

Abstract

Few studies have addressed payment issues related to online banking in Iran. This paper examined issues specifically related to e-payment security from the viewpoint of customers, proposing a conceptual model that delineates the determinants of consumers’ perceived security and perceived trust as well as the effects of perceived security and perceived trust on the use of e-payment systems. The study employed structural equation modeling with data collected from 210 online respondents in Iran. The results demonstrated that technical protections and transaction procedures were positively associated with consumers’ perceived security and trust in e-payment systems. In addition, experience from trusted sources of information was positively associated with consumers’ perceived trust in e-payment systems. The findings further showed that perceived security in e-payment systems was positively associated with consumers’ perceived trust in e-payment systems and the effects of consumers’ perceived security and trust in e-payment systems were positively associated with e-payment systems use.

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