THE FACTORS INFLUENCING THE ADOPTION OF ELECTRONIC PAYMENT SYSTEMS

The emergence and development of online and electronic transactions has led to an increase in usingelectronic payment systems (EPS). The purpose of this study is to investigate the important factors thatcan be critical to adoption of such facilities through an empirical analysis. In this paper we examinesix issues related to adoption of e-payment systems using a survey research method. To analyze thehypotheses 189 questionnaires were coded and analyzed using SPSS. A model is developed to evaluate the linear influences of six variables on customers' e-payment adoption. The study suggests that four of critical factors are necessary (security, perceived advantage, usability, anxiety) and have significant correlation with adoption of e-payment systems and the other two factors (social influence ant trust) have no significant correlation with EPS adoption. The findings can be used in design of epaymentsystems.

کلیدواژه ها:

e-payment system(EPS) ، security ، e-commerce ، usability