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Examining the implication of electronic payment in e-commerce transaction using SEM

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Listed:
  • Aarti Joshi
  • Ankita Pathak
  • Kinnarry Thakkar
  • Suresh Sorathia
  • Ravi Rajai

Abstract

Electronic payments are rapidly emerging as a potentially easy yet risky technique of performing financial transactions due to increased cybercrimes. The primary goal of this research is to give a thorough knowledge of electronic payments, with a particular emphasis on its features as a form of cashless transactions enabled by electronic channels. Following a comprehensive literature analysis, the research was done with characteristics such as website qualities, trust, dependability, risk, and privacy concerns in mind. The study's sample size was 430 respondents from various districts across Gujarat who commonly utilised e-payments for buying things online. Data analysis was done using Smart PLSS and SPSS 26. The findings revealed that the usage of e-payment influences the decision to purchase online, which is also influenced by website attributes and ease of use. The trust of users largely depended upon privacy concerns relating to payment portals and security measures offered by the portals.

Suggested Citation

  • Aarti Joshi & Ankita Pathak & Kinnarry Thakkar & Suresh Sorathia & Ravi Rajai, 2026. "Examining the implication of electronic payment in e-commerce transaction using SEM," International Journal of Indian Culture and Business Management, Inderscience Enterprises Ltd, vol. 38(3), pages 337-356.
    • Handle: RePEc:ids:ijicbm:v:38:y:2026:i:3:p:337-356
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