IDEAS home Printed from https://ideas.repec.org/a/alk/jbms00/v4y2022i2id3116.html

Consumer’s Attitude on Online Payment Systems as Driven by Risks

Author

Listed:
  • MARIEL KATRINA REYNON

    (College of Commerce and Business Administration; University of Santo Tomas, Manila Philippines)

  • PETER CARLO BULATAO

    (College of Commerce and Business Administration; University of Santo Tomas, Manila Philippines)

  • JOSCELLE ANN VERGEL

    (College of Commerce and Business Administration; University of Santo Tomas, Manila Philippines)

  • LAUREN ASHLEY YABUT

    (College of Commerce and Business Administration; University of Santo Tomas, Manila Philippines)

  • JUN GRIMALDO

    (Assistant Professor; College of Commerce and Business Administration; University of Santo Tomas, Manila Philippines)

Abstract

An online payment system has brought convenience to its users as it is a tool used to conduct cashless transactions. However, it involves risks that may differ from one person’s perspective to another. Hence, the objective of this research is to understand the consumer’s attitude regarding the technology, considering their perceived risk after system usage. A non-probability purposive sampling was utilized in this study, and a total of 384 responses were gathered. It has been found that perceived risk has a positive effect on perceived usefulness and ease of use; attitude is positively affected by perceived usefulness and ease, and attitude positively affects the intention to use. The results in this study can be used as a reference in conducting relevant studies, enhancement of the services of FinTech institutions, and for business owners to aid them in facilitating and implementing cashless payment methods in their transactions. Furthermore, the result in this study provides knowledge of the user perception in operating the system and contributes to the benefit of society, seeing that this system of payment portrays a vital role in the world today.

Suggested Citation

  • Mariel Katrina Reynon & Peter Carlo Bulatao & Joscelle Ann Vergel & Lauren Ashley Yabut & Jun Grimaldo, 2022. "Consumer’s Attitude on Online Payment Systems as Driven by Risks," Journal of Business and Management Studies, Al-Kindi Center for Research and Development, vol. 4(2), pages 13-26, March.
    • Handle: RePEc:alk:jbms00:v:4:y:2022:i:2:id:3116
    DOI: 10.32996/jbms.2022.4.2.2
    as

    Download full text from publisher

    File URL: https://al-kindipublisher.com/index.php/jbms/article/view/3116
    File Function: Abstract page
    Download Restriction: no
    File URL: https://al-kindipublisher.com/index.php/jbms/article/download/3116/2714
    File Function: Full text
    Download Restriction: no
    File URL: https://libkey.io/10.32996/jbms.2022.4.2.2?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:alk:jbms00:v:4:y:2022:i:2:id:3116. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Al-Kindi Center for Research and Development (email available below). General contact details of provider: https://al-kindipublisher.com/index.php/jbms .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.