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首页> 外文期刊>Quality Control, Transactions >Users Supporting Multiple (Mobile) Electronic Payment Systems in Online Purchases: An Empirical Study of Their Payment Transaction Preferences
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Users Supporting Multiple (Mobile) Electronic Payment Systems in Online Purchases: An Empirical Study of Their Payment Transaction Preferences

机译：支持在线购物中的多个（移动）电子支付系统的用户：对其付款交易偏好的实证研究

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摘要

The online payment for products or for the access to payment-based services can be made by means of a range of (mobile) electronic payment systems - (M)EPS. Both the industrial sector and research community, mainly World Wide Web Consortium (W3C), are working on facilitating these payment methods on Web and supporting the multiple users on how they can select the suitable (M)EPS. However, to the best of our knowledge, there were no thorough studies considering consumer's preferences when they support multiple (M)EPS. To address this issue, we have performed a survey on an international participants (n003D;272) aiming to (i) developed a theoretical model to determine their preferences when they are supporting more than one (M)EPS, (ii) find the most valuable option according to them and (iii) determine the surrounding conditions that support their decision to use a specific (M)EPS. The theoretical framework of this study was based on the Technology Acceptance Model (TAM). According to our statistical analysis (Chi-square test), consumers that can pay using different (M)EPS during their online payment transaction, have a preferred payment system based on its security, fees, usefulness, and ease of use as well as on their favorite Web browser for these transactions. Factor analysis was also performed to identify factors that much influence the (M)EPS. Results revealed that the factors influencing online payment preferences differ from those involved in traditional payment methods. Our findings allowed, therefore, providing practical suggestions for supporting payment processes with Web browsers and the W3C payment Application Program Interface (API).
机译：可以通过一系列（移动）电子支付系统 - （m）eps来制定产品的在线支付或访问基于支付的服务。工业部门和研究社区，主要是万维网联盟（W3C），正在促进Web上的这些付款方式，并支持多个用户如何选择合适的（M）ePS。然而，据我们所知，当他们支持多次（M）eps时，考虑到消费者的偏好，没有彻底的研究。要解决这个问题，我们对国际参与者（N003D; 272）进行了调查，旨在（i）制定理论模型，以确定它们在支持超过一（m）eps时，（ii）找到最多的偏好根据他们和（iii）的有价值的选择确定了支持他们决定使用特定（M）eps的周围条件。本研究的理论框架是基于技术验收模型（TAM）。根据我们的统计分析（Chi-Square测试），可以根据其在线支付交易期间使用不同（M）EPS的消费者，具备基于其安全，费用，有用性和易用性以及使用的首选支付系统以及他们最喜欢的Web浏览器用于这些事务。还进行了因子分析，以确定影响（m）eps的因素。结果表明，影响在线支付偏好的因素不同于传统支付方法的因素。因此，我们的调查结果提供了用于支持Web浏览器和W3C付款应用程序接口（API）的付款流程的实用建议。

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