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Factors influencing adoption of e-payment systems: an empirical study on Iranian customers

机译:影响采用电子支付系统的因素:对伊朗客户的实证研究

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摘要

Internet technology has influenced the banking systems because of its capability to enhance performance of financial operations. A major concern of Internet banking systems is the customers' perception of security and trust. This study presents an experimental investigation on important factors influencing trust in e-payments systems in Iran. A set of potentially determinant factors of trust is developed and organized in three major groups: technical and transaction procedures, access to security guidelines, and usability. The direct effect of the factors on perceived trust, along with their indirect effect through perceived security, is evaluated in an empirical study. The data are collected from customers of several Iranian banks. It is found that both perceived security and trust have positive impact on using e-payment systems. The results insist on technical and transaction procedures, and access to security guidelines being the most influential factors on perceived trust of customers. The findings are further compared to outcomes of similar recent studies. The results provide a guideline for decision makers to develop suitable solutions that can encourage the adoption of e-payment systems.
机译:互联网技术由于具有增强金融运营绩效的能力而影响了银行系统。互联网银行系统的主要关注点是客户对安全性和信任的感知。这项研究提供了一项有关影响伊朗电子支付系统信任的重要因素的实验性研究。在三个主要组中开发和组织了一组潜在的信任决定因素:技术和交易程序,访问安全准则以及可用性。在一项实证研究中评估了因素对感知信任的直接影响,以及它们通过感知安全性的间接影响。数据是从几家伊朗银行的客户那里收集的。结果发现,感知的安全性和信任度对使用电子支付系统都有积极的影响。结果坚持采用技术和交易程序,而获得安全指导则是影响客户信任度的最重要因素。进一步将这些发现与类似近期研究的结果进行比较。结果为决策者提供了指导方针,以制定合适的解决方案,以鼓励采用电子支付系统。

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