Review of International Business and Strategy · 2021 · 184 citations · 78 references
BusinessInformation SystemsManagement Information SystemsConsumer BehaviorE-commerce SystemsInformation Systems ManagementE-commerce ManagementE-commerce SecurityElectronic BankingOnline Consumer BehaviorPayment SecurityPayment SystemsConsumer Trust In E-commerceE-commerce AdoptionElectronic Payment Systems SecurityElectronic PaymentsGender Effects On AcceptanceModerationOnline Payment SystemsSecure Payment Systems
The study investigates how perceived security, trust, and privacy influence perceived usefulness and ease of use, and how these factors predict e‑payment adoption intentions, with gender as a moderating variable. A survey of 850 UAE university students using a 22‑item questionnaire was analyzed with SmartPLS to test the proposed model. Results show that perceived security, trust, and privacy positively affect perceived usefulness and ease of use, which in turn predict e‑payment intention, and that gender moderates this relationship, advancing understanding of e‑payment acceptance.
Purpose This paper aims to investigate if perceived security, trust and perceived privacy affect both perceived usefulness and perceived ease of use. Also, the study explores if trust, perceived usefulness and perceived ease of use influence consumers’ intentions to use the e-payment system which is supported by testing the moderation effect of gender on the intention to use such systems in the higher education institutes. Design/methodology/approach In total, 850 participants from United Arab Emirates (UAE) universities have filled an online questionnaire prepared for these aims. The survey instrument is composed of 22 items. The primary data was used to test the study model, proposed constructs and the study hypotheses using the Smart PLS Software. Findings The research confirmed that perceived security, trust and perceived privacy affect both perceived usefulness and perceived ease of use. Also, the study found that trust, perceived usefulness and perceived ease of use have anticipated the significance of consumers’ intention to use e-payment system which is found also moderated by gender. Research outcomes indicated an important contribution towards the acceptance of e-payment systems and the common design of e-commerce systems. Originality/value Research outcomes have indicated an important contribution toward the acceptance of e-payment systems and the common design of e-commerce systems. Additionally, this study helped in increasing the reader’s understanding of various aspects of e-commerce, specifically consumers’ trust and privacy protection which consequently allows the online sellers to formulate appropriate strategies and actions imperative to serve the online purchasers and target the internet users.
78
The partial least squares approach for structural equation modeling.
Wynne W. Chin · 1998 · 11.7K citations