Query: Adoption of  e-payment

title: Awareness and Reason towards Slow Adoption of E Payment System: Study of Hyderabad
abstract: E payment is a convenient and easy mode of payment, due to its convenience it makes everyone's life easy, because it takes less time to make transaction. This makes a solid case for adoption in many developed as well as developing countries. However, there are many countries who have not successfully implemented it due to lack of facilities and even lack of awareness of customers. Even in a developing country like Pakistan E Payment system is not so popular because of many operational constraints, according to Asian Development Bank (ADB) almost 95% people of Pakistan rely on case on delivery (COD) method and only 5% people use E Payment system. In Hyderabad many people prefer COD method when they order online. This research aimed to analyze the customer awareness and lack of adoption of E payment system in Hyderabad marketplace. The survey was conducted using questionnaire that was adopted from existing measurement instruments from past research papers. The questionnaires were distributed to customers and banks of Hyderabad, male and female, aged ranging from 18 to 51 years old. The data is analyzed using SPSS Software. The sample size was 350 respondents of Hyderabad. This study found that system credibility, facilitating conditions, perceived ease of use and perceived usefulness are the most important factors that affect to the customer awareness and slow adoption of E payment system. This research will help to understand the reason behind lack of adoption of E Payment system by studying the customer's knowledge about the usage of E payment system and evaluate the reason behind this slow adoption of customers.

title: Factors Influencing the Adoption of E Payment: An Empirical Study in Malaysia
abstract: This study examines the antecedents of the factors that influence customers to adopt the electronic payment system while making payments. Payment is the one of the element to complete the transaction while making payment. Due to the development of E commerce, e payment systems have been introducing. So, the use of electronic payment systems is being increasing day by day for people to complete their task quickly ineffective way. The result of the study shows that there is a relationship between dependent variables (effort expectancy and social influence) and independent variable (Adopton of e payment) However, other variables (culture, perceived security and performance expectancy) were not significant with adoption of e payment. Therefore, the study approves effort expectancy and social influence has a significant relationship with adoption of e payment. Therefore, companies today that do business using electronic payment system as the medium to complete the transaction must focus more on this two variable to increase the number of people use this payment system. The increasing the number of people use this payment system will contribute to excellent result for e commerce because e payment system is one of the factor e commerce becomes successful and it will give good impact to our nation's

title: Factors affecting the adoption of e payment systems by university students: extending the TAM with trust
abstract: Studying the adoption of e payment systems is not a new research topic. However, studying the factors affecting the adoption of e payment systems in the higher educational institutions is a topic of great importance. Therefore, this study is considered the first that attempts to examine the factors affecting the e payment systems adoption in nine different universities in the United Arab of Emirates (UAE) A total number of 528 students participated in the study. The technology acceptance model (TAM) was extended with the trust factor to examine the students' intention to use the e payment systems. The partial least squares structural equation modelling (PLS SEM) approach was used to validate the developed model. The empirical results suggested that trust is a significant factor in predicting the perceived usefulness, perceived ease of use, and e payment adoption. The perceived ease of use is also found to be a significant determinant that affects the perceived usefulness and e payment adoption. Surprisingly, perceived usefulness is found to be insignificant in determining the e payment adoption.

title: ADOPTION OF E PAYMENT TO SUPPORT SMALL MEDIUM ENTERPRISE PAYMENT SYSTEM: A CONCEPTUALISED MODEL
abstract: Payment of transactions towards a cashless society is a trend that cannot be avoided. All these things can happen because of cooperation, trust and human desire to be more practical from the community. Through this study, the researcher gets a new model from author analysis based on 23 previous literature synthesis and find out six independent variables that espouse adoption of e payment to support small medium enterprise payment system, that are performance expectancy, culture, acceptance of technology, social influence, security, and effort expectancy. The result of this study would be useful to understand about the adoption of e payment to support the small medium enterprise payment system.

title: Factors influencing adoption of e payment systems: an empirical study on Iranian customers
abstract: 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.

title: Analyzing the Adoption of E Payment Technologies in UAE Based on Demographic Variables
abstract: This paper will spot the light on the digital transformation of payment methodologies in the United Arab Emirates that is leading the region in moving toward a knowledge based economy with remarkable growth in e commerce transactions. The aim of this paper is to analyze several mature and emerging e payment technologies and their adoption mainly in the cities with ongoing change programs toward smart cities. The research will analyze the end users of e payment through quantitative analysis based on demographic variables. The preliminary results of this paper will highlight a better understanding of variables that lead to the adoption which can be useful to develop successful digital transformation strategies of payment processes in several sectors based on a socio technical perspective and aligned with the latest trends of FinTech services.

title: Microentrepreneurs' Adoption of E Payment: A Preliminary Analysis
abstract: This study aims to analyse the e payment adoption among microentrepreneurs by applying the Unified Theory of Acceptance and Use of Technology (UTAUT) Specifically, the constructs of UTAUT, namely performance expectancy, effort expectancy, social influence, and facilitating conditions are tested against adoption of e payment of the microentrepreneurs. Additionally, two new variables are included, namely financial cost and technology awareness as an extension of the UTAUT model. Data were collected among microentrepreneurs in Jengka area and being analysed by using SPSS 26.0. The study finds that all the variables have Cronbach's Alpha more than 0.8 which shows that all of them are reliable. The descriptive analysis is done and it was found that all of the respondents surveyed used e payment in their financial transaction. The study reveals that all respondents used ATM. Almost all of them (91.2% used POS terminal, 88.2 per cent used debit card and 2.9 per cent used mobile banking to make payment. However, none of the microentrepreneurs surveyed used internet banking. This study hopes to provide relevant inputs to the relevant authorities on ways to increase the e payment adoption among microentrepreneurs in Malaysia. In addition, the findings can be used by the academician as a source of reference for their study in the future.

title: Adoption of e Payment Systems A Review of Literature
abstract: E payment system is increasingly becoming a daring means of payments in today's business world. This is due to its efficiency, convenience and timeliness. It is a payment system that is continuously being embraced and adopted in the financial system of both developed and developing countries with a view to simplify and ease payments in business transactions. As a result, many studies were conducted around the globe by scholars on epayment adoption. It is based on this that this research paper looks at the available past literature on e payment adoption across the world, with a view to highlight the scope, methodology and Information System (IS) models used by previous researchers so as to identify research gaps and recommend such for future studies. The study employed an extensive literature search on e payment adoption with the aid of Google Scholar for those recent studies between the years 2010 2015. To facilitate the understanding of the issue under study, previous studies were analysed based on scope geographical location of the study, theories/models adopted and methodology used. Finally, the paper has identified the patterns of previous researches with regards to these three items and further highlights and recommends key areas in which future research should delve on.

title: Factors Influencing the Adoption of E Payment During Pandemic Outbreak (COVID 19) Empirical Evidence
abstract: This study aimed at identifying the main factors influencing the adoption of the electronic payment system (EPS) by Jordanian consumers based on the technology acceptance model (TAM) during the emergence of the pandemic crisis (COVID 19) A quantitative approach and a convenience sample of (567) Jordanian banking customers were employed to collect the required data via an online survey questionnaire. The study revealed that the most important predictors of behavioural intention of e payment adoption by Jordanian consumers during the pandemic crisis (COVID 19) are: perceived usefulness, trust and ease of use Furthermore, education level, age and income as demographic variables have been found to affect the intention of e payment service adoption significantly, while the effect of gender was found insignificant during this time. Based on these findings, several practical recommendations were suggested to enhance the electronic payment adoption process in Jordan. This study has provided its contribution concerning e payment adoption, particularly during the breakout of Covid 19 pandemic in the world for the first time.

title: Facilitating the adoption of e payment systems: theoretical constructs and empirical analysis
abstract: The emergence of online transactions, enabled through internet media, has led to an increase in the availability of electronic payment (e payment) systems. This research aims to investigate, through theoretical constructs (technology acceptance model, theory of reasoned action) and an empirical analysis, the critical factors that may ensure consumer adoption of these facilities. This research study mainly uses the deductive approach to consider secondary sources and primary data, where hypotheses have been developed in order to demonstrate the findings. An initial literature review revealed six issues that are considered critical for e payment considerations. An anonymous and self administered survey based on the research model was developed and e mailed to the respondents. A total of 155 questionnaires were coded and analysed using SPSS to analyse the hypotheses. The research proved that the perceived importance of the critical factors was correlated throu.