期刊名称：International Journal of Academic Research in Business and Social Sciences
电子版ISSN：2222-6990
出版年度：2022
卷号：12
期号：3
页码：357-368
DOI：10.6007/IJARBSS/v12-i3/12884
语种：English
出版社：Human Resource Management Academic Research Society
摘要：This study aims to verify a complete model of customers' intention to utilise an electronic payment system (EPS). It employs the Technology Acceptance Model (TAM) with constructs of efficiency, convenience, security, trust, and traceability. Structural equation modelling (SEM) is employed to build a prediction model of attitudes toward the EPS. Individuals' attitudes and intentions to use EPS, which merges card, internet, and mobile banking, were gathered and evaluated using several criteria modified from TAM via web-based online survey questions. According to the findings, customers' attitudes, security, and perceived utility are significant antecedents to their propensity to use EPS. Furthermore, the mediation study reveals that perceived ease of use mediates the relationship between efficiency and perceived usefulness. As a result, the findings imply that while building EPS to promote customers' desire to use cards, the internet and mobile banking must consider factors such as attitude, security, and perceived ease of use.
