ISSN: 2222-6990
Open access
This study aims to verify a complete model of customers' intention to utilise an electronic payment system (EPS). It employs the Technology Acceptance Model (TAM) with constructs of efficiency, convenience, security, trust, and traceability. Structural equation modelling (SEM) is employed to build a prediction model of attitudes toward the EPS. Individuals' attitudes and intentions to use EPS, which merges card, internet, and mobile banking, were gathered and evaluated using several criteria modified from TAM via web-based online survey questions. According to the findings, customers' attitudes, security, and perceived utility are significant antecedents to their propensity to use EPS. Furthermore, the mediation study reveals that perceived ease of use mediates the relationship between efficiency and perceived usefulness. As a result, the findings imply that while building EPS to promote customers' desire to use cards, the internet and mobile banking must consider factors such as attitude, security, and perceived ease of use.
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In-Text Citation: (Sarkam et al., 2022)
To Cite this Article: Sarkam, N. A., Razi, N. F. M., Mohammad, N. H., Jamil, N. I., & Kurniawati, L. (2022). Attitudes, Security, and Perceived Ease of Use Influence The Consumers’ Decision to Use An E-payment System. International Journal of Academic Research in Business and Social Sciences, 12(3), 357–368.
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