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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.

Suggested Citation

  • Abdullai, Besim, 2009. "Electronic Payment Instruments use, as perceived by consumers in Macedonia," MPRA Paper 16080, University Library of Munich, Germany, revised 21 Mar 2009.
    • Handle: RePEc:pra:mprapa:16080
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    File URL: https://mpra.ub.uni-muenchen.de/16080/1/MPRA_paper_16080.pdf
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    References listed on IDEAS

    as
    1. 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 216-234, May.
    2. 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.
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    More about this item

    Keywords

    Electronic Payment Instruments; customer survey; e-commerce; Internet services;
    All these keywords.

    JEL classification:

    • M1 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • G20 - Financial Economics - - Financial Institutions and Services - - - General

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