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Electronic Payment Instruments use, as perceived by consumers in Macedonia

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  • Abdullai, Besim

Abstract

Electronic Payment Instruments in Macedonia are very used and spread evenly among the population, although compare to EU member countries their use is lagging behind. This paper represents findings about the customer behaviors toward e-commerce activities, use of electronic cards in Internet, at point of sales, and ATMs. The objective of this survey was to test the availability of Internet services to customers, the way they access Internet, the way they use EPI and EPS, and at the end to draw conclusions if they trust on e-businesses. The question to be answered is, what should be done to enhance the customer convenience: a) to increase the number of acceptance points, b) to increase the number of EPI in circulation, c) to have cheaper access in Internet, or d) to invest more in e-commerce applications.

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File URL: http://mpra.ub.uni-muenchen.de/16080/
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Bibliographic Info

Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 16080.

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Date of creation: Mar 2009
Date of revision: 21 Mar 2009
Handle: RePEc:pra:mprapa:16080

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Keywords: Electronic Payment Instruments; customer survey; e-commerce; Internet services;

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  1. Abdullai, Besim, 2009. "The EPS as an e-commerce enabler: The Macedonian perspective," MPRA Paper 13996, University Library of Munich, Germany, revised 05 Mar 2009.
  2. Humphrey, David B & Kim, Moshe & Vale, Bent, 2001. "Realizing the Gains from Electronic Payments: Costs, Pricing, and Payment Choice," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 33(2), pages 216-34, May.
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