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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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

In this chapter customer opinion and perception towards e-payment system is disclosed with the help of descriptive analysis of the responses collected from the respondents using questionnaire.

Since the outbreak of the COVID-19 pandemic, the demand for online services has risen, with e-payment emerging as a prominent option for customers seeking faster and more convenient transactions to complete their online purchases. Nevertheless, e-payment adoption in Egypt remains a challenge that requires further investigation. Thus, this study aims to investigate the factors influencing online customers’ attitudes and intentions towards adopting e-payment for online transactions, social influence, perceived ease of use, perceived usefulness, perceived trust, structural assurance and perceived privacy/security risk.

The data were gathered from 302 customers in Egypt and structurally analysed based on partial least squares structural equation modelling (PLS-SEM).

The findings revealed that social influence, perceived usefulness and perceived trust are significant antecedents of attitude. Furthermore, perceived usefulness, perceived trust, perceived privacy/security risk and attitude directly influence behavioural intention. Structural assurance and perceived trust directly influence perceived privacy/security risk. Moreover, perceived usefulness, perceived trust and attitude were found to have several mediating roles.

This study adds new empirical evidence from a developing country regarding the adoption of e-payment among online customers. In addition, its findings can help the government, practitioners and policymakers understand how to promote customers’ positive attitudes and encourage their intentions towards using e-payment.

The findings of this study can contribute to the digital transformation strategy in Egypt by providing insights into enhancing online shoppers’ attitudes and intentions towards e-payment adoption. This, in turn, can boost Egyptian e-commerce and the country's digital economy as a whole.

The purpose of this study is to explore a theoretical model using the push-pull-mooring framework which adopts both direct and moderating effects, in relation to building antecedents of Muslim switching intention (SI) from using cash to mobile payment (m-payment).

The data collected were 317 respondents, then processed using the partial least squares structural equation modeling approach (SEM-PLS). Furthermore, advanced PLS techniques such as PLS predict, blindfolding and importance-performance map analysis are used to verify the statistical analysis of findings.

This research underlines the importance of religious commitment factor when talking about Muslims SI to use m-payment. Moreover, the features of m-payment, such as enjoyment, efficiency, security and convenience, have contributed to the driving and attracting factors for Muslim individuals to switch from cash to m-payment.

Fundamentally it is highly recommended that the highest concentration of service provider strategies is always obeying the principles of Islamic finance, with regard to the Muslim community as their target market. Specific to the government, the distribution of supporting infrastructure and literacy of new technologies such as m-payment are still important points in an effort to create a cashless society.

The model in this study emphasizes the internal and external construction of a Muslim in relation to the behavior of SI from using cash to m-payment. Thus, the construction of the model that has been built is considered to bring more relevant factors to explain the m-payment adoption behavior of a Muslim from various perspectives.

In view of the promising growth of FinTech in the Arab region, specifically in Egypt, this study identifies the significant factors likely to influence consumers’ acceptance intention toward e-payment products and services (mobile wallets, virtual-cards, mobile/online banking etc.).

Quantitative deductive research was used to investigate the extension of the unified theory of acceptance and use of technology (UTAUT) on consumers' e-payment acceptance intentions. Questionnaires were electronically administered through convenience sampling. Three hundred and ninety-nine questionnaires were analyzed through multiple regression to test the proposed hypotheses.

Performance expectance, facilitating condition, effort expectancy and social influence impact consumers' e-payment acceptance intentions. These factors contribute to the growing number of individuals using e-payments to the extent that e-payment eventually becomes a preferred medium for economic transactions. Hedonic motivation, price value and habit are insignificant in encouraging consumers' e-payment acceptance.

The study benefits to governments, policymakers, banking institutions, businesses involved in online transactions and software developers. They can utilize the findings to develop strategies aimed at increasing e-payment usage and overcoming cultural-resistance to changing traditional financial transaction methods. These methods align with the government’s goal of achieving a digital society.

This study presents information on the current state of e-payment acceptance. Its potential contribution lies in identifying the factors that influence the intention to e-payment among Arab consumers, thereby highlighting important considerations for the adoption of e-payment. Furthermore, this study supports UTAUT over UTAUT2 in the FinTech context. It suggests that individuals exhibit similar behavior and inspiration when using e-payment technology as they do when using technology in an organizational context.

Electronic payment (e-payment) systems literature analysis reveals that they are growing in developing countries; however, they are limited in the Arab countries and, more importantly, scarce in Iraq in particular. Therefore, this paper aims to investigate the factors influencing the intention of users to use e-payment systems in Iraq. Additionally, this study proposes an e-payment adoption model based on technology usage models to identify user trends toward e-payment systems.

A quantitative approach is adopted to test the proposed model. The proposed model is based on the Unified Theory of Acceptance and Usage of Technology theory. The proposed model is validated using survey data from 339 e-payment system users. Using Amos software, this study used structural equation modeling (SEM), a statistical technique for analyzing factor relationships.

The findings of the study indicate that performance expectancy, effort expectancy, social influence, facilitating conditions and price saving orientation influence Intention to accept the e-payment system. Similarly, habit, technology security, trust, innovation resistance, psychological empowerment also affect intention to accept an e-payment system. However, hedonic motivation and perceived risk do not affect e-payment system adoption.

The identified factors play a major role in user intentions toward the adoption of e-payment systems for financial transactions and addressing these factors will make e-payment acceptable in the future. The results of this study contribute to assisting governments or e-payment firms and decision-makers in building strategic decisions or policies that will increase the adoption of e-payment by individuals.

This chapter introduces the concept of financial market and highlights the role of e-payment systems in the financial market by focusing on the keywords of financial innovation, e-payment and sustainability.

Pakistan is predominantly a cash-based economy, with consumers showing several traits ranging from low confidence on the electronic commerce security, poor access to banking, absence of widespread awareness of e-payments and other religious and psychological barriers to adopting alternatives to cash. This study aims to examine e-payment modes in Pakistan with respect to their impact on supplier and consumer behaviour before and during the pandemic times.

The research follows a qualitative approach. Focus groups and interviews are conducted to carry out an in-depth analysis of consumer and supplier behaviour.

The findings show that customers are not satisfied with the current e-commerce system in Pakistan, whereas though producers prefer prepayments, they are forced to rely on cash on delivery. However, due to the recent COVID-19 outbreak, consumers are going cashless to avoid physical cash and observe safety protocols. To convert this temporary and enforced patronage of online transactions into a long-term and sustainable one, massive marketing and a combined effort from the government, private bodies and financial institutions is required.

The study was conducted using online interviews which has the drawback of connection issues, delays and lags in the connectivity, and hence may lead to miss important gestures for data analysis.

This research can be of benefit to online consumers and the supplier side of the online retail industry, by providing them with insight into the various factors that affect consumer behaviour towards e-commerce payment options. An understanding of the behavioural motivators of consumers will allow e-retailers in developing more marketing strategies that are effective, to improve the satisfaction level of their customers and contribute to the development of Pakistan’s e-commerce sector into a globally competitive one.