Factors Influencing Consumer Intentions to Adopt E-Payment Systems

Ahmed Al-Dmour · Hani Hamed Al-Dmour · Rewan Brghuthi · Rand Al-Dmour

6 citations0/0 files storedInternational Journal of Customer Relationship Marketing and Management

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

Abstract

This study aimed to identify the main factors influencing the adoption of electronic payment system (EPS)by Jordanian consumers based on the technology acceptance model (TAM). A quantitative approach and a convenience sample of 487 Jordanian banking customers were employed to collect the required data via a survey questionnaire. The study findings indicated that all the proposed factors (perceived usefulness, ease of use, security, self-efficacy, and trust) have a statistically significant positive relationship with the electronic payment adoption intention with explanation power 49% (R Square=0.49). The perceived usefulness and ease of use were found the most important factors that highly associated with the adoption of e-payment, respectively. Furthermore, education level as an individual demographic variable was the only one who has a significant relationship with the intention of the adoption of e-payment service while age and gender were found insignificant.

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1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2003User Acceptance of Information Technology: Toward A Unified View1 2000A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies 1995An Integrative Model Of Organizational Trust 2002Why do people use information technology? A critical review of the technology acceptance model 1999Building consumer trust online 2004Toward an understanding of the behavioral intention to use mobile banking 2004Consumer acceptance of online banking: an extension of the technology acceptance model

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