The use of online payment in Morocco during COVID19: An analysis of the TAM model by logistic regression[L'utilisation du paiement en ligne au Maroc à l'heure de la COVID19 : Une analyse du modèle TAM par la régression logistique]

Online payment represents one of the innovative ways of technology allowing consumers to benefit from financial services to pay for their purchases in less time and often with lower costs. This method of payment, which is carried out through digitalized applications, was implemented in response to the requirements and expectations of the modern consumer. In Morocco, banks have followed this evolution and are constantly developing their online payment services. Our work, which is based on the technology acceptance model, uses a questionnaire survey, administered online, on the acceptance of online payment by the effective customers of Moroccan banks. We study the following variables: perceived usefulness, perceived ease of use, security, privacy and use of the payment during the COVID 19. We use IBM® SPSS® 21 software and a logistic regression model to test our research hypotheses and answer our problem. Over a period of May 2020 to March 2021, our data collection resulted in 267 responses. After eliminating individuals who never opted for online payment, as well as responses with missing values, we retained a total of 201 valid and accepted questionnaires. Our study indicated that the context of the health crisis has reconciled many Moroccan consumers with online payment. Nevertheless, it should also be noted that the majority of consumers for whom the frequency of online payment increased during the health crisis and lockdown period already had a good acceptance of online payment.