Understanding Customer Intention to Use E-Payment for Online Shopping

  • Noorain Mohd Nordin Universiti Teknologi MARA Cawangan Melaka
  • Nurul Azlinda Chek Talib Universiti Teknologi MARA Cawangan Melaka
  • Nornajihah Nadia Hasbullah Universiti Teknologi MARA Cawangan Melaka
  • Hazalinda Harun Universiti Teknologi MARA Cawangan Melaka
  • Suraya Hamimi Mastor Universiti Teknologi MARA Cawangan Melaka
  • Fariha Aiza Ramly Universiti Teknologi MARA Cawangan Melaka
Keywords: E-Payment, Customer Intention, Online shopping, Perceived Security and Social Influence

Abstract

The emergence of e-commerce has sparked a huge change in consumer behavior, transforming how individuals purchase and conduct transactions. E-payment has become a pillar of this digital transition. However, some customers are still hesitant to adopt e-payment despite its advantages. This paper aims to unravel the factors influencing customer intentions to use e-payment for online shopping. Based on a review of existing literature on the Technology Acceptance Model (TAM Model) and additional external factors, a proposed model was developed to test consumer's intention to use e-payment for online shopping. The result of this study would be useful to understand consumers’ behaviors in employing electronic transactions when making payments for online purchases. This paper also provides valuable insights for e-payment service providers and online retailers on how to promote sustainable online shopping in the future.

Downloads

Download data is not yet available.

References

Abrazhevich, D. (2004). Electronic payment systems: a user-centered perspective and interaction design. Technische Universiteit Eindhoven.
Albarracin, D., Johnson, B. T., Fishbein, M. & Muellerleile, P. A. (2001). Theories of reasoned action and planned behavior as models of condom use: a meta-analysis. Psychological bulletin, 127(1), 142.
Ajzen, I. (1991). The theory of planned behavior. Organizational behavior and human decision processes, 50(2), 179-211.
Bank Negara Malaysia. (2020). Bank Negara Malaysia | Central Bank of Malaysia. Bnm.gov.my. https://www.bnm.gov.my/
Broekhuizen, T. & Huizingh, E. (2009). Online purchase determinants Is their effect moderated by direct experience? Management Research News, 32(5), 2009, 440-457.
Bressolles, G., Durrieu, F. & Senecal, S. (2014). A consumer typology based on e-service quality and e-satisfaction. Journal of Retailing and Consumer Services, 21(6), 889-896.
Davis, F. D., Bagozzi, R. P. & Warshaw, P. R. (1989). User acceptance of computer technology: a comparison of two theoretical models. Management Science, 35(8), 982-1003.
Deka, P. K. (2020). Intention to use mobile wallets by youths in northeast India. Journal of Management in Practice, 5(1).
Drozdov, A. (2019). Payments Problem https://medium.com/paybycps/payments-problem-statement-997cb201267f
Faqih, K. M. & Jaradat, M. I. R. M. (2015). Assessing the moderating effect of gender differences and individualism-collectivism at individual-level on the adoption of mobile commerce technology: TAM3 perspective. Journal of Retailing and Consumer Services, 22, 37-52.
Fishbein, M. & Ajzen, I. (2005). Attitudes and voting behavior: An application of the theory of reasoned action. Progress in applied social psychology, 1(1), 253-313.
Gefen, D., Karahanna, E. & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 27(1), 51-90.
Gitau, L. & Nzuki, D. (2014). Analysis of determinants of m-commerce adoption by online consumers. International Journal of Business, Humanities and Technology, 4(3), 88-94.
Gong, W., Stump, R. L. & Maddox, L. M. (2013). Factors influencing consumers' online shopping in China. Journal of Asia Business Studies.
Gholami, R., Ogun, A., Koh, E. & Lim, J. (2010). Factors affecting e-payment adoption in Nigeria. Journal of Electronic Commerce in Organizations (JECO), 8(4), 51-67.
Grandinetti, M. (1996). Establishing and maintaining security on the Internet. Sacramento Business Journal, 13(25), 22.
Islam, M. A. & Daud, K. A. K. (2011). Factors that influence customers' buying intention on shopping online. International Journal of Marketing Studies, 3(1), 128.
Juniwati, J. (2014). Influence of perceived usefulness, ease of use, risk on attitude and intention to shop online. European Journal of Business and Management, 6(27), 218-229.
Liébana-Cabanillas, F., Sánchez-Fernández, J. & Muñoz-Leiva, F. (2014). Antecedents of the adoption of the new mobile payment systems: The moderating effect of age. Computers in human behavior, 35, 464-478.
Lim, K. S., Lim, J. S. & Heinrichs, J. H. (2008). Testing an integrated model of e-shopping website usage. Journal of Internet Commerce, 7(3), 291-312.
Lim, B., Lee, H. & Kurnia, S. (2007). Exploring the reasons for a failure of electronic payment systems: A case study of an Australian company. Journal of Research and Practice in Information Technology, 39(4), 231-243.
Linck, K., Pousttchi, K. & Wiedemann, D. G. (2006). Security issues in mobile payment from the customer's viewpoint.
Lin, C. & Nguyen, C. (2011). Exploring e-payment adoption in Vietnam and Taiwan. Journal of Computer Information Systems, 51(4), 41-52.
Lee, G. & Lin, H. (2005). Customer perceptions of e?service quality in online shopping. International Journal of Retail & Distribution Management, 33(2), 161–176.
Neighbors, C., Lee, C. M., Lewis, M. A., Fossos, N. & Larimer, M. E. (2007). Are social norms the best predictor of outcomes among heavy-drinking college students? Journal of studies on alcohol and drugs, 68(4), 556-565.
Ramayah, T. & Ignatius, J. (2005). Impact of perceived usefulness, perceived ease of use and perceived enjoyment on intention to shop online. ICFAI Journal of Systems Management (IJSM), 3(3), 36-51.
Saleem, H. & Naveed, M. (2020). SoK: Anatomy of data breaches. Proc. Priv. Enhancing Technol, 2020(4), 153-174.
Sahi, A. M., Khalid, H., Abbas, A. F. & Khatib, S. F. (2021). The evolving research of customer adoption of digital payment: Learning from content and statistical analysis of the literature. Journal of Open Innovation: Technology, Market, and Complexity, 7(4), 230.
Teck, T. K. (2002). The Impact of Perceived Web Security. Perceived Privacy Loss, Perceived Usefulness and Perceived Ease of Use on the Web-Based Online Transaction Intent, MBA Thesis, School of Management.
Towers, N. & Xu, K. (2016). The influence of guanxi on physical distribution service quality availability in e-commerce sourcing fashion garments from China. Journal of Retailing and Consumer Services, 28, 126-136.
Udo, G. J. (2001). Privacy and security concerns as major barriers for e?commerce: a survey study. Information management & computer security, 9(4), 165-174.
Venkatesh, V. & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204.
Venkatesh, V., Morris, M. G., Davis, G. B. & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 425-478.
Wong, C. K., Yeung, D. Y., Ho, H. C., Tse, K. P. & Lam, C. Y. (2014). Chinese older adults’ Internet use for health information. Journal of Applied Gerontology, 33(3), 316-335.
Tan, J. Y. (2019, July 22). Digital transformation in Malaysia seeing returns but companies are still failing [Review of Digital transformation in Malaysia seeing returns, but companies are still failing]. Digital News Asia. https://www.digitalnewsasia.com/digital-economy/digital-transformation-malaysia-seeing-returns-companies-are-still-failing
Zorkadis, V. & Karras, D. A. (2000). Security modeling of electronic commerce infrastructures. In IEEE/AFCEA EUROCOMM 2000. Information Systems for Enhanced Public Safety and Security (Cat. No. 00EX405) (pp. 340-344). IEEE.
Zhu, D. H., Chang, Y. P., Luo, J. J. & Li, X. (2014). Understanding the adoption of location-based recommendation agents among active users of social networking sites. Information Processing & Management, 50(5), 675-682.
Published
2023-10-08
How to Cite
Nordin, N. M., Talib, N. A. C., Hasbullah, N. N., Harun, H., Mastor, S. H., & Ramly, F. A. (2023). Understanding Customer Intention to Use E-Payment for Online Shopping. Information Management and Business Review, 15(3(I), 341-346. https://doi.org/10.22610/imbr.v15i3(I).3544
Section
Research Paper