The Effects of System Features, Perceived Risk and Benefit, and Customer Characteristics on Online Bill Paying

2010 ◽  
pp. 311-346
Author(s):  
Fang He
Keyword(s):  
Perceived Risk ◽  
Transformation Process ◽  
Payment System ◽  
Ease Of Use ◽  
Payment Methods ◽  
Online Payment ◽  
Online Business ◽  
Speed Up ◽  
Risk And Benefit ◽  
Different Characteristics

Along with the exponential increase in online business transactions, the online payment system has gained in popularity because vendors and creditors realize its growing importance as a foundation to improve their information infrastructure and to achieve “paperless” operating efficiency.However, due to per se different characteristics among customers and Web-systems, both sides’ perspectives and technology factors could cause a significant level of variation in customers’ acceptance of online payment methods. Our research involving 148 subjects who participated in a field survey, examined the impact of a series of possible decision factors, including perceived risk, perceived benefits, vendor’s system features, and customers’ characteristics, on the intention to use an online payment system by customers. The results suggest that vendors/creditors should:one, pay particular attention to improving the security and the ease-of-use of their transaction network; and two, focus on adding necessary option features, such as recurring automatic deductions, so that they can speed up the transformation process and encourage customers to switch to using online payment methods.

The Effects of System Features, Perceived Risk and Benefit, and Customer Characteristics on Online Bill Paying

2010 ◽  
pp. 1719-1753
Author(s):  
Fang He
Keyword(s):  
Perceived Risk ◽  
Transformation Process ◽  
Payment System ◽  
Ease Of Use ◽  
Payment Methods ◽  
Online Payment ◽  
Online Business ◽  
Speed Up ◽  
Risk And Benefit ◽  
Different Characteristics

Along with the exponential increase in online business transactions, the online payment system has gained in popularity because vendors and creditors realize its growing importance as a foundation to improve their information infrastructure and to achieve “paperless” operating efficiency.However, due to per se different characteristics among customers and Web-systems, both sides’ perspectives and technology factors could cause a significant level of variation in customers’ acceptance of online payment methods. Our research involving 148 subjects who participated in a field survey, examined the impact of a series of possible decision factors, including perceived risk, perceived benefits, vendor’s system features, and customers’ characteristics, on the intention to use an online payment system by customers. The results suggest that vendors/creditors should:one, pay particular attention to improving the security and the ease-of-use of their transaction network; and two, focus on adding necessary option features, such as recurring automatic deductions, so that they can speed up the transformation process and encourage customers to switch to using online payment methods.

Decision Factors for the Adoption of an Online Payment System by Customers

2009 ◽  
pp. 352-383 ◽  
Author(s):  
Fang He
Keyword(s):  
Perceived Risk ◽  
Payment System ◽  
Operating Efficiency ◽  
Intention To Use ◽  
Decision Factors ◽  
Online Payment ◽  
Online Business ◽  
Per Se ◽  
Different Characteristics ◽  
The Impact

Along with the exponential increase in online business transactions, the online payment system has gained in popularity because vendors and creditors realize its growing importance as a foundation to improve their information infrastructure and to achieve “paperless” operating efficiency. However, due to per se different characteristics among customers and Web-systems, both sides’ perspectives and technology factors could cause a significant level of variation in customers’ acceptance of online payment methods. Our research involving 148 subjects who participated in a field survey examined the impact of a series of possible decision factors including perceived risk, perceived benefits, vendor’s system features, and customers’ characteristics on the intention to use an online payment system by customers. Some significant associations are observed and their implications are discussed.

Decision Factors for the Adoption of an Online Payment System by Customers

2009 ◽  
pp. 1189-1221
Author(s):  
Fang He ◽  
Peter P. Mykytyn
Keyword(s):  
Perceived Risk ◽  
Payment System ◽  
Operating Efficiency ◽  
Intention To Use ◽  
Decision Factors ◽  
Online Payment ◽  
Online Business ◽  
Per Se ◽  
Different Characteristics ◽  
The Impact

Along with the exponential increase in online business transactions, the online payment system has gained in popularity because vendors and creditors realize its growing importance as a foundation to improve their information infrastructure and to achieve “paperless” operating efficiency. However, due to per se different characteristics among customers and Web-systems, both sides’ perspectives and technology factors could cause a significant level of variation in customers’ acceptance of online payment methods. Our research involving 148 subjects who participated in a field survey examined the impact of a series of possible decision factors including perceived risk, perceived benefits, vendor’s system features, and customers’ characteristics on the intention to use an online payment system by customers. Some significant associations are observed and their implications are discussed.

scholarly journals E-PAYMENT AT THE LOCAL GOVERNMENT LEVEL: A STUDY OF MAJLIS BANDARAYA SHAH ALAM AND MAJLIS DAERAH KAMPAR

2014 ◽  
Vol 12 (3) ◽  
Author(s):  
Rustam Khairi Zahari ◽  
Raja Noriza Raja Ariffin ◽  
Nurhawani Zamin ◽  
Norzailawati Mohd Noor
Keyword(s):  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Electronic Government ◽  
Payment Method ◽  
Perceived Ease Of Use ◽  
Intention To Adopt ◽  
Online Payment ◽  
Ict Adoption ◽  
Collection Data

Information and Communication Technology (ICT) adoption through the implementation of electronic government (e-Government) helps improves local authority‘s service delivery for the benefit of the community. Many of the local authorities have adopted the online payment method for the assessment rate collection. Despite the notion that e-Government increased productivity and improved efficiency, citizen‘s usage is still considered minimal and has been comparatively low especially in services involving transactional. This study investigates the factors influencing the usage of online payment method in local authority‘s assessment rate collection. Data for this study was collected through questionnaire, interview and document analysis. The findings showed that perceived usefulness, perceived ease of use, perceived risk, payment receipt issuance and income level seem to influence user‘s intention to adopt the online payment method.

scholarly journals PKI Validation and Encryption Scheme for Secure UTM Online Payment System

2018 ◽  
Vol 8 (1) ◽  
Author(s):  
Raziman Zakaria ◽  
Mohd Murtadha Mohamad
Keyword(s):  
System Security ◽  
Payment System ◽  
The Internet ◽  
Encryption Scheme ◽  
Goods And Services ◽  
Payment Methods ◽  
Online Payment ◽  
Payment Gateway

Online payment system have recently emerged as one of the available payment methods in purchase of goods and services over the Internet. However the acceptance of this system by users is not fully achieved because of concern about the system security and how its manages the privacy of user information. One of the most challenging issues associated with online payment system is securing the communication between the client and payment gateway. PKI validation and encryption scheme is designed to handle problem of sending transaction as plaintext between clients and UTM online payment system and to authorize the clients that sent the transaction to the payment gateway. The scheme are proposed to increase the level of security in UTM online payment system. To test the performance of PKI validation and encryption scheme, several simulation are conducted together with the comparison with other algorithm.

scholarly journals E-PAYMENT AT THE LOCAL GOVERNMENT LEVEL: A STUDY OF MAJLIS BANDARAYA SHAH ALAM AND MAJLIS DAERAH KAMPAR

2014 ◽  
Author(s):  
Rustam Khairi Zahari ◽  
Raja Noriza Raja Ariffin ◽  
Nurhawani Zamin ◽  
Noorzailawati Mohd Noor
Keyword(s):  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Electronic Government ◽  
Payment Method ◽  
Perceived Ease Of Use ◽  
Intention To Adopt ◽  
Online Payment ◽  
Ict Adoption ◽  
Collection Data

Information and Communication Technology (ICT) adoption through the implementation of electronic government (e-Government) helps improves local authority‘s service delivery for the benefit of the community. Many of the local authorities have adopted the online payment method for the assessment rate collection. Despite the notion that e-Government increased productivity and improved efficiency, citizen‘s usage is still considered minimal and has been comparatively low especially in services involving transactional. This study investigates the factors influencing the usage of online payment method in local authority‘s assessment rate collection. Data for this study was collected through questionnaire, interview and document analysis. The findings showed that perceived usefulness, perceived ease of use, perceived risk, payment receipt issuance and income level seem to influence user‘s intention to adopt the online payment method.

scholarly journals PENGEMBANGAN SISTEM PEMBAYARAN UNTUK DESA WISATA TRI EKA BUANA DENGAN ONLINE PAYMENT

Dharma LPPM ◽  
2021 ◽  
Vol 2 (1) ◽  
Author(s):  
I G P Fajar Pranadi Sudhana ◽  
I Gde Agus Jaya Sadguna ◽  
I Gede Nyoman Suta Waisnawa ◽  
Ayu Dwi Yulianthi ◽  
A A Ayu Ngurah Harmini
Keyword(s):  
Spatial Planning ◽  
Payment System ◽  
Digital Marketing ◽  
First Year ◽  
Master Plan ◽  
Supervision System ◽  
Online Transactions ◽  
Payment Methods ◽  
Online Payment ◽  
Payment Gateway

Since 2019, Tri Eka Buana Village, located in Sidemen sub-district, Karangasem Bali Regency, through the Bali State Polytechnic service team has received a PPDM grant to form a tourism village with natural potential and a producer of traditional Balinese arak drinks. Various kinds of activities from the solutions offered have been implemented in the first year of 2019. including compiling a master plan for developing a tourism village, formulating a village cleanliness supervision system, carrying out socialization of tourism village spatial planning, socialization and tourism outreach, and compiling a tourism village marketing program through digital marketing . One of the activities that has been carried out is the development of the Tri Eka Buana Tourism Village website. Online transactions are increasingly in demand, even have become a trend among the wider community. Besides, it can be done anytime and anywhere without any time or distance restrictions. E-payment offers various kinds of convenience and practicality in making payments. Various kinds of payment methods can be integrated into the system making it easier for customers to make payments according to orders made. The tourism village of Tri Eka Buana Sidemen Karangasem Bali, can take advantage of this online payment system to help tourism village operations in the future. The development of this online payment system can be developed by building a tourism village website, adding ecommerce facilities to the website that has been built, registering and activating one of the payment gateway services, and integrating the Tri Eka Buana tourism village website with a payment gateway service.

Effects of Web-Based Shopping on Consumers' Buying Behaviour: A Consumer Perspective

2021 ◽  
Vol 12 (1) ◽  
pp. 59-59
Author(s):  
Sook Fern Yeo ◽  
Cheng Ling Tan ◽  
Kah Boon Lim
Keyword(s):  
Service Quality ◽  
Perceived Risk ◽  
Online Shopping ◽  
Ease Of Use ◽  
Clear Understanding ◽  
Perceived Ease Of Use ◽  
Online Shoppers ◽  
Consumer Perspective ◽  
Online Business ◽  
Buying Behaviour

Online shopping has become a popular trend nowadays because more and more people are buying products online due to the continuous development of technology. People's increasing concerns about online shopping have become the key element for changing their consumer buying behaviour. Due to the current situation of COVID19 and the changes of the era, many people buying products through online shopping. People think that buying products or services through online shopping can bring them convenience. Many companies move their business to online business because online business can help companies earn more sales and promote their products and services online to attract more new customers. Therefore, online shopping has become a popular trend nowadays, and more people are concern about online shopping. This is because consumers might consider the security of the websites, the usefulness, price, service quality of the products or services before they purchase through online shopping. With the rise of e-commerce, the number of online buyers is also increasing along with it. In 2020, the number of online buyers worldwide is expected to be 2.05 billion (Mohsin, 2020). Besides, a report shows the ranking of the mobile shopping apps in Southeast Asia. Lazada apps was the highest ranking in Malaysia, Singapore, Thailand and Philippines in 2019. For Vietnam, Shoppe apps was the highest ranking (Moey, 2019). According to Statista (2020), the report shows that in 2021 and 2022 the number of online shoppers in Malaysia is expected to reach 2.2 million and 2.53 million respectively. So, this research aims to make a clear understanding of consumer buying behaviour towards online shopping. The factors that have been shown in this research are trust, perceived risk, perceived ease of use, service quality and information. This research has discussed the fundamental research and clearly understand consumer buying behaviour and those factors that affect consumer buying behaviour towards online shopping. Keywords: Buying Behaviour, Trust, Perceived Risk, Perceived Ease Of Use, Service Quality

scholarly journals MINAT PENGGUNAAN CASHLESS PAYMENT SYSTEM – DOMPET DIGITAL PADA MAHASISWA DI FE UNJ

2020 ◽  
Vol 11 (1) ◽  
pp. 1-19
Author(s):  
Ika Febrilia ◽  
Shela Puspita Pratiwi ◽  
Irianto Djatikusumo
Keyword(s):  
Structural Equation Modeling ◽  
Self Efficacy ◽  
Perceived Risk ◽  
Structural Equation ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
Perceived Ease Of Use

Penelitian ini bertujuan untuk menguji pengaruh: a) self-efficacy terhadap perceived ease of use; b) self-efficacy terhadap perceived usefulness; c) perceived risk terhadap perceived usefulness; d) perceived risk terhadap intention to use; e) perceived usefulness terhadap intention to use; f) perceived ease of use terhadap intention to use; g) perceived ease of use terhadap perceived usefulness; untuk produk dompet digital pada mahasiswa di FE UNJ. Pengumpulan data dilakukan dengan menggunakan metode survei, yaitu dengan membagikan kuesioner. Setelah data terkumpul akan dilakukan pengujian terhadap validitas dan reliabilitas instrumen, yang dilanjutkan dengan uji hipotesis menggunakan SEM (Structural Equation Modeling) dengan bantuan program Amos 20.0. Hasil penelitian menunjukkan adanya pengaruh yang positif dan signifikan: a) self-efficacy terhadap perceived ease of use, b) perceived risk terhadap perceived usefulness, c) perceived risk terhadap intention to use, serta d) perceived ease of use terhadap perceived usefulness. Kata kunci: self-efficacy, perceived risk, perceived usefulness, perceived ease of use, intention to use, mahasiswa, FE UNJ

Using Technology Acceptance Model to Study Customers’ Perception Towards Green Banking

Think India ◽  
2019 ◽  
Vol 22 (3) ◽  
pp. 402-409
Author(s):  
Deepak Shrivastava ◽  
Apurva Shrivastava ◽  
Gyan Prakash
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
New Technology ◽  
Banking System ◽  
Point Of View ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Tech-friendliness in this new era is an important quotient considered and the persons’ acceptance towards the technology frequency matters a lot. But still the frequency varies from person to person, this brought in the concept of Technology Acceptance Model given by Fred Davis in 1989. The theory of TAM is based on two theories that are Theory of Reasoned Action and Theory of Planned Behavior, TAM is extended version of these two. Green Banking is a new technology introduced by the banks that focuses on the growth of Sustainable development and Banking system too. Thus, banks ask their customers to use it or practice it in their daily life transactions. But every customer has their own point of view on the usage of Green banking. Thus, the research aims to understand the customers’ perception towards the Green Banking for this TAM is used. The research states that Perceived risk is the primary factor that is followed by perceived usefulness and perceived ease of use that impacts the decision to use green banking. Thus, the behavioral intention results in actual use of green banking usage for which people are trying to accept the new technology. So, the banks have earned points for creating awareness among their customers but still they have to work hard and clarify their customers’ problems and vanish that hitch that is stopping them to use green banking easily.

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