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Factors Influencing Consumer Intentions to Adopt E-Payment Systems: Empirical Study

Author

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  • Ahmed Al-Dmour

    (Al-Ahliyya Amman University, Jordan)

  • Hani H. Al-Dmour

    (The Univeristy of Jordan, Jordan)

  • Rewan Brghuthi

    (The University of Jordan, Jordan)

  • Rand H. Al-Dmour

    (The University of Jordan, Jordan)

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.

Suggested Citation

  • Ahmed Al-Dmour & Hani H. Al-Dmour & Rewan Brghuthi & Rand H. Al-Dmour, 2021. "Factors Influencing Consumer Intentions to Adopt E-Payment Systems: Empirical Study," International Journal of Customer Relationship Marketing and Management (IJCRMM), IGI Global, vol. 12(2), pages 80-99, April.
    • Handle: RePEc:igg:jcrmm0:v:12:y:2021:i:2:p:80-99
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