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Book part
Publication date: 10 December 2015

Chun Kit Lok

Smart card-based E-payment systems are receiving increasing attention as the number of implementations is witnessed on the rise globally. Understanding of user adoption…

Abstract

Smart card-based E-payment systems are receiving increasing attention as the number of implementations is witnessed on the rise globally. Understanding of user adoption behavior of E-payment systems that employ smart card technology becomes a research area that is of particular value and interest to both IS researchers and professionals. However, research interest focuses mostly on why a smart card-based E-payment system results in a failure or how the system could have grown into a success. This signals the fact that researchers have not had much opportunity to critically review a smart card-based E-payment system that has gained wide support and overcome the hurdle of critical mass adoption. The Octopus in Hong Kong has provided a rare opportunity for investigating smart card-based E-payment system because of its unprecedented success. This research seeks to thoroughly analyze the Octopus from technology adoption behavior perspectives.

Cultural impacts on adoption behavior are one of the key areas that this research posits to investigate. Since the present research is conducted in Hong Kong where a majority of population is Chinese ethnicity and yet is westernized in a number of aspects, assuming that users in Hong Kong are characterized by eastern or western culture is less useful. Explicit cultural characteristics at individual level are tapped into here instead of applying generalization of cultural beliefs to users to more accurately reflect cultural bias. In this vein, the technology acceptance model (TAM) is adapted, extended, and tested for its applicability cross-culturally in Hong Kong on the Octopus. Four cultural dimensions developed by Hofstede are included in this study, namely uncertainty avoidance, masculinity, individualism, and Confucian Dynamism (long-term orientation), to explore their influence on usage behavior through the mediation of perceived usefulness.

TAM is also integrated with the innovation diffusion theory (IDT) to borrow two constructs in relation to innovative characteristics, namely relative advantage and compatibility, in order to enhance the explanatory power of the proposed research model. Besides, the normative accountability of the research model is strengthened by embracing two social influences, namely subjective norm and image. As the last antecedent to perceived usefulness, prior experience serves to bring in the time variation factor to allow level of prior experience to exert both direct and moderating effects on perceived usefulness.

The resulting research model is analyzed by partial least squares (PLS)-based Structural Equation Modeling (SEM) approach. The research findings reveal that all cultural dimensions demonstrate direct effect on perceived usefulness though the influence of uncertainty avoidance is found marginally significant. Other constructs on innovative characteristics and social influences are validated to be significant as hypothesized. Prior experience does indeed significantly moderate the two influences that perceived usefulness receives from relative advantage and compatibility, respectively. The research model has demonstrated convincing explanatory power and so may be employed for further studies in other contexts. In particular, cultural effects play a key role in contributing to the uniqueness of the model, enabling it to be an effective tool to help critically understand increasingly internationalized IS system development and implementation efforts. This research also suggests several practical implications in view of the findings that could better inform managerial decisions for designing, implementing, or promoting smart card-based E-payment system.

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E-services Adoption: Processes by Firms in Developing Nations
Type: Book
ISBN: 978-1-78560-709-7

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Article
Publication date: 15 February 2021

Muhammad Turki Alshurideh, Barween Al Kurdi, Ra’ed Masa’deh and Said A. Salloum

This paper aims to investigate if perceived security, trust and perceived privacy affect both perceived usefulness and perceived ease of use. Also, the study explores if…

Abstract

Purpose

This paper aims to investigate if perceived security, trust and perceived privacy affect both perceived usefulness and perceived ease of use. Also, the study explores if trust, perceived usefulness and perceived ease of use influence consumers’ intentions to use the e-payment system which is supported by testing the moderation effect of gender on the intention to use such systems in the higher education institutes.

Design/methodology/approach

In total, 850 participants from United Arab Emirates (UAE) universities have filled an online questionnaire prepared for these aims. The survey instrument is composed of 22 items. The primary data was used to test the study model, proposed constructs and the study hypotheses using the Smart PLS Software.

Findings

The research confirmed that perceived security, trust and perceived privacy affect both perceived usefulness and perceived ease of use. Also, the study found that trust, perceived usefulness and perceived ease of use have anticipated the significance of consumers’ intention to use e-payment system which is found also moderated by gender. Research outcomes indicated an important contribution towards the acceptance of e-payment systems and the common design of e-commerce systems.

Originality/value

Research outcomes have indicated an important contribution toward the acceptance of e-payment systems and the common design of e-commerce systems. Additionally, this study helped in increasing the reader’s understanding of various aspects of e-commerce, specifically consumers’ trust and privacy protection which consequently allows the online sellers to formulate appropriate strategies and actions imperative to serve the online purchasers and target the internet users.

Details

Review of International Business and Strategy, vol. 31 no. 3
Type: Research Article
ISSN: 2059-6014

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Article
Publication date: 1 March 2021

Karim F. Garrouch

This study aims to examine three factors affecting the comparative e-payment perception, namely, perceived e-shopping value, e-payment benefits and Islamic Sharia…

Abstract

Purpose

This study aims to examine three factors affecting the comparative e-payment perception, namely, perceived e-shopping value, e-payment benefits and Islamic Sharia compliance. It verifies an original model explaining the comparative perception of e-payment as a tool to pay online purchases. The newly integrated variables are the perceived compliance of the e-payment with Islamic Sharia, as a moderator, and the perceived e-shopping value, as a predictor. This investigation also tested the mediating role of e-payment benefits between perceived e-shopping value and e-payment comparative perception.

Design/methodology/approach

A questionnaire was distributed, via an online survey, to professional and personal networks of Master students who have spread the survey link to their social media groups. This procedure resulted in 185 valid observations.

Findings

Results show that the comparative perception of e-payment systems, as opposed to cash on delivery, is explained directly by e-payment benefits and indirectly by e-shopping value. The comparison of the model paths based on the perceived compliance to Islamic Sharia showed that this variable is non-significant as a moderator.

Originality/value

The verified model and paths of this study have not been covered yet, namely, the direct and indirect effects of e-shopping value. Thus, their verification constitutes the main originality of this article. Besides, the verification of the moderating role of compliance to Islamic sharia has not been verified in prior studies about e-payment.

Details

Journal of Islamic Marketing, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 1759-0833

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Article
Publication date: 20 April 2010

Sevgi Özkan, Gayani Bindusara and Ray Hackney

The emergence of online transactions, enabled through internet media, has led to an increase in the availability of electronic payment (e‐payment) systems. This research…

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7995

Abstract

Purpose

The emergence of online transactions, enabled through internet media, has led to an increase in the availability of electronic payment (e‐payment) systems. This research aims to investigate, through theoretical constructs (technology acceptance model, theory of reasoned action) and an empirical analysis, the critical factors that may ensure consumer adoption of these facilities.

Design/methodology/approach

This research study mainly uses the deductive approach to consider secondary sources and primary data, where hypotheses have been developed in order to demonstrate the findings. An initial literature review revealed six issues that are considered critical for e‐payment considerations. An anonymous and self‐administered survey based on the research model was developed and e‐mailed to the respondents. A total of 155 questionnaires were coded and analysed using SPSS to analyse the hypotheses.

Findings

The research proved that the perceived importance of the critical factors was correlated through security, trust, perceived advantage, assurance seals, perceived risk and usability. The results demonstrate that three of the critical factors were necessary (security, advantage, web assurance seals) and three were relatively sufficient (perceived risk, trust and usability) through customer intentions to adopt an e‐payment system.

Originality/value

It is believed that the findings represent an important contribution to the further adoption of e‐payment facilities and indeed the design of general e‐commerce systems.

Details

Journal of Enterprise Information Management, vol. 23 no. 3
Type: Research Article
ISSN: 1741-0398

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Article
Publication date: 9 August 2013

Wendy Ming‐Yen Teoh, Siong Choy Chong, Binshan Lin and Jiat Wei Chua

In view of the promising growth of e‐payment in Malaysia, this study aims to discover the factors influencing perception towards electronic payment (e‐payment) from the…

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10135

Abstract

Purpose

In view of the promising growth of e‐payment in Malaysia, this study aims to discover the factors influencing perception towards electronic payment (e‐payment) from the Malaysian consumers’ perspective.

Design/methodology/approach

Literature indicates that factors such as benefits, trust, self‐efficacy, ease of use, and security influence consumers’ perception towards e‐payment. A self‐reporting questionnaire was developed and disseminated to 200 respondents, out of which 183 valid responses were considered for further statistical analysis.

Findings

The multiple linear regression results reveal that benefits, self‐efficacy, and ease of use exert significant influences on consumers’ perception towards e‐payment. However, the insignificant results obtained for trust and security warrant further investigation.

Research limitations/implications

This study proposes five factors for measuring consumers’ perception towards e‐payment which is replicable across different economies. However, the small sample size raises the issue of generalizability which future studies should seek to address.

Practical implications

The use of e‐payment by the majority of respondents confirms that there is a great potential for future expansion of such payment devices. The challenge is to ensure that it continues to meet consumers’ expectations which will subsequently lead to its increased adoption and use.

Originality/value

This study has advanced knowledge for it has provided information on the current state of e‐payment acceptance and use, particularly among Malaysians. The significant factors identified are beneficial to the policy maker, banking institutions, online transaction facilities providers, and software developers as they develop strategies directed at increasing e‐payment acceptance and use.

Details

Internet Research, vol. 23 no. 4
Type: Research Article
ISSN: 1066-2243

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Article
Publication date: 15 March 2013

Csaba Csáki, Leona O'Brien, Kieran Giller, J.B. McCarthy, Kay‐Ti Tan and Frédéric Adam

E‐Government programs often address problems such as institutional ineffectiveness, lack of transparency, or social exclusion. Financial exclusion and people's reliance on…

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1299

Abstract

Purpose

E‐Government programs often address problems such as institutional ineffectiveness, lack of transparency, or social exclusion. Financial exclusion and people's reliance on ineffective payment methods appear to be a well‐known problem world‐wide. Yet, despite the large number of related case studies and academic reports on the topic, little is understood about the impact governmental payment practices have on the financial behaviour of citizens. Few investigations address how governmental use of payment methods and related policies may impact citizen/consumer behaviour. Through investigating the move to E‐Payment based methods to replace the dominant use of cash and cheques in social welfare in Ireland, the purpose of this paper is to explore the recipient's view of this government project.

Design/methodology/approach

The research is organized as an intrinsic case study where the unit of analysis is one large project. It aims at a rich description of one particular case by analysing data collected from two main sources of evidence: preliminary investigation is done by reviewing relevant documents, while primary data collection involved face‐to‐face surveys of social welfare recipients (using a short, structured questionnaire augmented with a few open‐ended questions).

Findings

The planning and execution of E‐Government programs often face barriers of mostly social and historical nature. As the results of this research indicate, these barriers might be hard to overcome as they are the result of certain behaviours and attitudes rooted in people's daily experience, such as their daily financial reality. Results also imply that the choice of an adequate E‐Payment method and migration scenario by governmental agencies will be crucial to the outcome. Implementation and education will also be critical.

Originality/value

This study reports on the influence governmental decisions related to social welfare payment methods may have on recipients' financial habits regarding the choice of payment options. It also shows how recipients' everyday experience and financial reality determine the way they relate to payment options.

Content available
Article
Publication date: 29 March 2021

Ambrose Ogbonna Oloveze, Ogbonnaya Ukeh Oteh, Hyginus Emeka Nwosu and Ray Ozoemena Obasi

Several e-payment technologies have diffused in Nigeria yet debit card usage on POS devices have not shown consumer confidence in its usage thereby affecting the cashless…

Abstract

Purpose

Several e-payment technologies have diffused in Nigeria yet debit card usage on POS devices have not shown consumer confidence in its usage thereby affecting the cashless policy drive of the nation. The study considered an affective commitment of users as moderating their behaviours. Therefore, the purpose of this paper is to investigate how user behaviour is moderated by an affective commitment on point of sale terminal.

Design/methodology/approach

Following the purpose of the study, the research design is a survey. The questionnaire was adapted from earlier studies and tested for reliability and validity using Cronbach’s alpha and content validity. Andrew F. Hayes process was used to analyse the moderation effect.

Findings

The finding revealed that affective commitment significantly moderates users’ ease of use of the device, their perceived usefulness of the device and their social image on their intentions to use the device.

Research limitations/implications

The findings implied that there is a need for the development of policies and strategies which should be directed towards the users of the device. Equally, the general conclusions on collective e-payment channels in a society should be discarded given that each e-payment channel can have different factors influencing it than the others. This is where customer-focused advertising and awareness campaign becomes very important.

Originality/value

This paper declares that the research work is not submitted anywhere for publication or for review. It was conducted by the authors who have given their consent for it to be submitted to Rajagiri management journal

Details

Rajagiri Management Journal, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 0972-9968

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Article
Publication date: 29 March 2013

Tsui‐Chuan Hsieh, Keng‐Chieh Yang, Conna Yang and Chyan Yang

The purpose of this article is to investigate urban and rural differences for online activities and e‐payment behavior patterns.

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2328

Abstract

Purpose

The purpose of this article is to investigate urban and rural differences for online activities and e‐payment behavior patterns.

Design/methodology/approach

This study applied the MLCA model to investigate Internet usage patterns from 11 online applications among 10,909 Taiwan residents in 25 different regions.

Findings

The results showed that online behavior patterns exhibited regional differences, as the regional segments affected the individual segments of different use patterns. For instance, the urban area comprised a higher proportion of members who were accustomed to internet applications and skilled in online shopping by using a credit card. The rural area made up a higher proportion of members who only occasionally used online services. Moreover, rural region residents used other payment methods (excluding credit cards) more often than urban region residents. As expected, users’ personal characteristics also dictated the online behavior pattern. For instance, people with higher‐level income spent relatively more money for online shopping and often used various internet applications than others.

Practical implications

The findings herein should help Internet service providers form an applicable guideline for developing service strategies of higher service satisfaction regarding products and users’ needs.

Originality/value

This study implemented a multilevel latent class model to investigate online behavior patterns that exhibited urban and rural differences, with the goal of providing service providers an understanding and mastery of their target users.

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Article
Publication date: 15 August 2016

Anna Azmi, Yen Dee Ang and Siti Aqilah Talib

The purpose of this study was to examine the interaction between citizens’ perception of justice and their trust in the government agency that provides e-services, in…

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1019

Abstract

Purpose

The purpose of this study was to examine the interaction between citizens’ perception of justice and their trust in the government agency that provides e-services, in particular, those e-services with users who are particularly sensitive towards their interaction and exchanges with the government.

Design/methodology/approach

Analysis of 102 surveys completed by users of e-BR1M was conducted. Partial least squares regression, a form of structural equation modelling, was used for the data analysis.

Findings

This study found that distributive justice and procedural justice positively influence trust in government. Trust in government and convenience were also found to significantly influence the adoption of e-BR1M.

Research limitations/implications

Understanding the interaction between perceptions of justice (procedural and distributive justice) and trust can contribute to the willingness to adopt e-government services by a particular group of users who are particularly sensitive towards interactions with the government.

Practical implications

Findings from this study can help policymakers improve the way in which they interact with citizens so that the citizens’ perceptions of procedural and distributive justice are improved. This, in turn, will improve trust in government and will lead to an improved willingness of citizens to use e-government services.

Originality/value

This study examined the interaction between citizens’ perceptions of trust and justice in an e-government service, which users are particularly sensitive towards in their interactions with the government.

Details

Transforming Government: People, Process and Policy, vol. 10 no. 3
Type: Research Article
ISSN: 1750-6166

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Article
Publication date: 20 July 2010

Ahmed Patel, Wei Qi and Christopher Wills

There is a need to provide secure and safe information security systems through the use of firewalls, intrusion detection and prevention systems, encryption…

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2047

Abstract

Purpose

There is a need to provide secure and safe information security systems through the use of firewalls, intrusion detection and prevention systems, encryption, authentication, and other hardware and software solutions. The purpose of this paper is therefore to propose a framework which includes safe, secure, trusted, and auditable services, as well as forensic mechanisms to provide audit trails for digital evidence of transactions and protection against malicious and illegal activities.

Design/methodology/approach

The paper reviews the literature as the foundation and knowledge base for the proposed framework and system of secure and trustworthy mobile agent (MA)‐based e‐marketplaces. It consists of the current state of the art taxonomy for the classified MA‐based frameworks for e‐marketplace trading, underlying supporting systems, e‐payment systems, and the essential issues related to auditable and digital forensic services.

Findings

The current knowledge shows that there is a serious lack of auditable and digital forensic services to make secure and trustworthy MA‐based e‐marketplaces systems. The paper draws conclusions and highlights further research work which is ongoing and new work that needs to be performed.

Originality/value

The paper perceives the needs to define the requirements for secure and trustworthy MA‐based e‐marketplaces and proposes a framework to design effective systems using the latest techniques and technologies.

Details

Information Management & Computer Security, vol. 18 no. 3
Type: Research Article
ISSN: 0968-5227

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