Risk perception of the E-payment systems: a young adult perspective

Aw Yoke Cheng · Noor Raihan Ab Hamid · H. C. Eaw

11 citations0/0 files storedInternational Conference on Artificial Intelligence

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Technology Adoption and User Behaviour Consumer Behavior and Marketing Influence Health, Technology, Consumer Behavior

Abstract

This paper introduces the current trend towards the use of Electronic-Payment (E-Payment) in Malaysia as an alternative to cash and their risk perceptions. It aims to gain more insights into reasons on why young adults are adopting as well as not adopting E-Payment and their perception of risks on E-Payment as compared to cash. College students from private universities in a metropolitan city in Malaysia were chosen as respondents for this study. The findings show the different risk perceptions are significant among cash and E-Payment but less significant in terms of volume of purchase. We discuss the implications of the findings to service providers and policy makers and offer some recommendations to improve the e-payment service quality. Finally, the limitations of study and the future directions of research are discussed.

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References

1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 1975Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research 1989User Acceptance of Computer Technology: A Comparison of Two Theoretical Models 1980Understanding Attitudes and Predicting Social Behavior 1994Book Review: Marketing Research: An Applied Orientation 1985A technology acceptance model for empirically testing new end-user information systems : theory and results 1988BOUNDED RATIONALITY, AMBIGUITY, AND THE ENGINEERING OF CHOICE 1971Consumer Rankings of Risk Reduction Methods

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