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Decision Factors for the Adoption of an Online Payment System by Customers

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  • Fang He

    (Southern Illinois University at Carbondale, USA)

  • Peter P. Mykytyn

    (Southern Illinois University at Carbondale, USA)

Abstract

Along with the exponential increase in online business transactions, the online payment system has gained in popularity because vendors and creditors realize its growing importance as a foundation to improve their information infrastructure and to achieve “paperless” operating efficiency. However, due to per se different characteristics among customers and Web-systems, both sides’ perspectives and technology factors could cause a significant level of variation in customers’ acceptance of online payment methods. Our research involving 148 subjects who participated in a field survey examined the impact of a series of possible decision factors including perceived risk, perceived benefits, vendor’s system features, and customers’ characteristics on the intention to use an online payment system by customers. Some significant associations are observed and their implications are discussed.

Suggested Citation

  • Fang He & Peter P. Mykytyn, 2007. "Decision Factors for the Adoption of an Online Payment System by Customers," International Journal of E-Business Research (IJEBR), IGI Global, vol. 3(4), pages 1-32, October.
    • Handle: RePEc:igg:jebr00:v:3:y:2007:i:4:p:1-32
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    Cited by:

    1. Jacob Peng & Ira Abdullah, 2018. "Building a market simulation to teach business process analysis: effects of realism on engaged learning," Accounting Education, Taylor & Francis Journals, vol. 27(2), pages 208-222, March.
    2. Xuechao Sui & Xianhui Geng, 2021. "Continuous usage intention to e-transaction cards in wholesale markets of agriproducts: empirical evidence from China," Future Business Journal, Springer, vol. 7(1), pages 1-13, December.
    3. Zhani, Najlae & Mouri, Nacef & Ahmed, Tariq, 2022. "The role of mobile value and trust as drivers of purchase intentions in m-servicescape," Journal of Retailing and Consumer Services, Elsevier, vol. 68(C).
    4. Lani Miliani & Mia Tantri Diah Indriani, 2013. "Adoption Behavior of E-Money Usage," Information Management and Business Review, AMH International, vol. 5(7), pages 369-378.

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