scholarly journals Consumers and QR code payment method: A Case of Pakistani Retail Environment

2020 ◽  
Vol 1 (2) ◽  
pp. 1-15
Author(s):  
Hassan Ahmad ◽  
Shahid Asghar
Keyword(s):  
Payment System ◽  
Qr Code ◽  
Payment Method ◽  
Retail Environment ◽  
Research Framework ◽  
Shopping Experience ◽  
Acceptance Model

Consumers tend to find ways that are beneficial and useful for them during a shopping experience. They use different methods, either online or offline, for a more considerable retail experience. Thus, the use of a particular technology when it accessible, useful, beneficial, and innovative may help them progress a certain attitude. The practice of the theory of acceptance model(TAM) proved to be right in this context of embracing of QR code transaction method. This kind of payment system is still relatively new in the Pakistani environment, but this, with the current research framework, it shows that consumers are willing to adopt it. Thus, CINN, PBN, PEU, PUF, and attitude proved to be suitable variables for the adoption of this technology

FAKTOR-FAKTOR YANG MEMPENGARUHI PENERIMAAN USER TERHADAP PENERAPAN QUICK RESPONSE INDONESIA STANDARD SEBAGAI TEKNOLOGI PEMBAYARAN PADA DOMPET DIGITAL

2020 ◽  
Vol 25 (2) ◽  
pp. 123-135
Author(s):  
Rina Mayanti
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
User Acceptance ◽  
Qr Code ◽  
Quick Response ◽  
Payment Method ◽  
Factors Affecting ◽  
Acceptance Model ◽  
Facilitating Conditions ◽  
Use Behavior

Quick Response Indonesia Standard (QRIS) is the QR Code which is standardized by Bank Indonesia as the technology used for the cashless payment method. It has been released officially since January 2020. The aim of this standardization is to provide an easier and more efficient payment method by QR Code technology. The electronic wallet's providers which are already implemented QRIS as their payment technology are Go-Pay and OVO. The goal of this research is to predict the factors affecting the user acceptance of QRIS implementation as the electronic wallet’s payment technology. The user acceptance regarding the QRIS implementation is predicted by user technology acceptance model called UTAUT 2. The variables used in this research are all UTAUT 2 model variables except age, gender, experience, and price value. The method used for analysing the data in this research is PLS-SEM. The result of this research shows that the facilitating conditions and hedonic motivation affect the user's behavioral intention for using QRIS as their payment technology, and this behavioral intention also gives the effect to their use behavior.

scholarly journals Implementation of Cryptographic Algorithm in Dynamic QR Code Payment System and Its Performance

IEEE Access ◽  
2021 ◽  
Vol 9 ◽  
pp. 122362-122372 ◽  
Author(s):  
Yukun Zhou ◽  
Baidong Hu ◽  
Yitao Zhang ◽  
Weiming Cai
Keyword(s):  
Payment System ◽  
Qr Code ◽  
Cryptographic Algorithm

The Impact of E-Retail Environment Characteristics on E-Satisfaction and Purchase Intent

2011 ◽  
Vol 2 (3) ◽  
pp. 1-19 ◽  
Author(s):  
Jung-Hwan Kim ◽  
Minjeong Kim ◽  
Jay Kandampully
Keyword(s):  
Purchase Intent ◽  
Retail Environment ◽  
Consumer Responses ◽  
Mediating Role ◽  
Online Purchase ◽  
Key Characteristics ◽  
Shopping Experience ◽  
Key Dimensions ◽  
Entertainment Value ◽  
The Impact

The purpose of this research is to determine the key dimensions of e-retail environment characteristics which affect consumer e-satisfaction and purchase intent and to examine the mediating role of e-satisfaction and the moderating effects of consumers’ previous e-shopping experience on the relationship between e-retail environment characteristics and consumer responses. The study focused on young adults ranging in age from 18 to 25. The results showed that convenience, customization, security/privacy, web appearance and entertainment value were the key characteristics of e-retail environment impacting e-satisfaction. E-satisfaction fully mediated the effects of e-retail environment characteristics on online purchase intent. Prior e-shopping experience was found to moderate the relationships among the key dimensions of e-retail environment, e-satisfaction, and e-purchase intent. The findings of this study add to the existing literature on e-service quality by focusing on e-retail environment characteristics beyond products and prices, and further by providing e-retailers with practical implications as to how they can improve their website environments for successful e-retailing business.

scholarly journals IDA-Pay: a secure and efficient micro-payment system based on Peer-to-Peer NFC technology for Android mobile devices

2012 ◽  
Vol 8 (4) ◽  
pp. 117 ◽  
Author(s):  
Luca Mainetti ◽  
Luigi Patrono ◽  
Roberto Vergallo
Keyword(s):  
Mobile Devices ◽  
Near Field ◽  
Operating Mode ◽  
Peer To Peer ◽  
Payment System ◽  
Third Party ◽  
Payment Systems ◽  
Shopping Experience ◽  
And Performance ◽  
System Effectiveness

The evolution of modern mobile devices towards novel Radio Frequency (RF) capabilities, such as Near Field Communication, leads to a potential for delivering innovative mobile services, which is still partially unexplored. Mobile proximity payment systems are going to enhance the daily shopping experience, but the access to payment security resources of a mobile device (e.g. the “Secure Element”) by third party applications is still blocked by smartphone and Operating System manufacturers. In this paper, the IDA-Pay system is presented, an innovative and secure NFC micro-payment system based on Peer-to-Peer NFC operating mode for Android mobile phones. It allows to deliver mobile-to-POS micro-payment services, bypassing the need for special hardware. A validation scenario and a system evaluation are also reported to demonstrate the system effectiveness and performance.

scholarly journals Technology Acceptance of QR Code Payment and Its Effective Advertisement Media for Multi-Channel Customers

2021 ◽  
Vol 12 (4) ◽  
pp. 84-91
Author(s):  
Michiko Miyamoto ◽  
◽  
Yuji Kudo
Keyword(s):  
Technology Acceptance ◽  
Survey Data ◽  
Technology Acceptance Model ◽  
Structure Equation ◽  
Qr Code ◽  
Payment Reform ◽  
Actual Usage ◽  
Equation Analysis ◽  
Acceptance Model ◽  
The Relationship

Cash settlement accounts for 80% of entire transaction in Japan. Japanese government has announced the “Payment Reform Declaration,” by setting “the Cashless Vision” with a target of 40% cashless payment ratio by 2025 and aims to achieve the world's highest level of cashless payment ratio of 80% in the future. The purpose of this study is to analyze which media has affected the consumers who use QR code payment, PayPay. This research proposes a framework based on the Technology Acceptance Model (TAM) for an effective advertisement medium by using survey data on PayPay. Structure equation analysis is conducted to measure the relationship between different advertising media and consumers’ intentions to use, as well as actual usage of PayPay.

scholarly journals Influence of Mobile Payment on Bus Boarding Service Time

2020 ◽  
Vol 2020 ◽  
pp. 1-12
Author(s):  
Guojun Chen ◽  
Weilun Chen ◽  
Shuyang Zhang ◽  
Dong Zhang ◽  
Haode Liu
Keyword(s):  
Service Time ◽  
Regression Models ◽  
Mobile Payment ◽  
Qr Code ◽  
Payment Method ◽  
Ic Card ◽  
Payment Methods ◽  
First Choice ◽  
Service Efficiency ◽  
Bus Service

A new form of mobile payment, Quick Response (QR) code, has been a popular way of paying bus fares in China since 2017. Compared with conventional payment methods, cash or IC card, QR code shows a lot of differences in response time, recognition accuracy, and payment procedure, which significantly influences the boarding service time (BST) for passengers. However, no research has considered its efficiency. This study, therefore, tries to fill this gap and investigate its influence on BST. Sufficient ride-check data were collected, and the influence of the QR code payment method on BST was examined through a set of regression models. Passengers pay the bus fare with different payment methods as their first choice; nevertheless, when the payment fails, they may transfer among them. According to the payment choice, result, and process, we introduce the first-choice-based, the last-choice-based, and the choice-transfer-based models, respectively. The scenario with delays in calling out the QR code was considered in the choice-transfer-based model. The onboard crowdedness was regarded as a categorical variable to determine the regime of the boarding process in all models. We conduct empirical analysis in Wuhan, and this study can help to identify the influence of the QR code payment method on BST, consequently, improving bus service efficiency.

Determinants of E-Payment Systems Success

2012 ◽  
Vol 4 (3) ◽  
pp. 15-38 ◽  
Author(s):  
Adeyinka Tella
Keyword(s):  
Service Quality ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Payment System ◽  
Ease Of Use ◽  
Future Research ◽  
Perceived Benefits ◽  
Actual Use ◽  
System Success ◽  
Acceptance Model

The success of an information system (IS) depends on the users’ satisfaction with the system. In this study, the Technology Acceptance Model by Davies (1989) was extended. The paper synthesized the technology acceptance model (TAM) to explain and predict the success of e-payment system using users’ satisfaction as dependent variable. The hypothesized model was validated empirically using a sample data collected from of a modified e-payment questionnaire. A total of 74 teaching and non teaching academic staff selected from the Faculty of Communication and Information Sciences, University of Ilorin, Nigeria constituted the sample for the study. The results revealed correlation among perceived benefits, perceive enjoyment, speed; service quality, perceive ease of use and actual use and e-payment success. Moreover, all the seven e-payment predictive factors together made 69% of e-payment system success. Similarly perceived benefits, perceive enjoyment, speed; service quality, perceive ease of use and actual use are good predictors of e-payment system success. One of the implications pointed out by the study is that the measures for the construct of e-payment system success used are self-reported. In the light of this, future research should develop more objective and accurate measures for determining e-payment system success.

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