Integrated Payment Gateway Adoption by Women-Owned Micro, Small and Medium Enterprises (MSMEs) in Apparel Retail Sector: Scale Development and Validation

Siti Hadijah Zulkifly, Wan Marhaini Wan Omar () and Mohamad Nizam Jaafar
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Siti Hadijah Zulkifly: Universiti Teknologi MARA, Arshad Ayub Graduate Business School
Wan Marhaini Wan Omar: Universiti Teknologi MARA, Faculty of Business and Management
Mohamad Nizam Jaafar: Universiti Teknologi MARA, Arshad Ayub Graduate Business School

A chapter in Proceedings of International Conference on Governance, Management & Social Innovation (ICGMSI 2023), 2024, pp 89-103 from Springer

Abstract: Abstract The digital economy offers a remarkable new opportunity for Malaysia to become a high-income nation when the digital payment landscape is expanding, and the e-commerce market is experiencing growth. It is supported by the advancement of payment gateway (PG) technology that revolutionized the digital payment solution which started with website integration, progressed to social media, and evolved to just one payment link for entrepreneurs to receive online customer payments. Micro, small and medium enterprises (MSMEs) have shown an increasing interest in adopting PG system for their business, but the involvement in women-owned MSMEs in this digital payment context is still low in Malaysia. Hence, this study aims to develop an instrument that evaluates the items in the factors that influence the adoption of Integrated PG by woman-owned MSMEs in Malaysia’s apparel retail sector and to empirically validate a measurement instrument relating to it. The instrument was developed and validated based on a comprehensive multi-step approach. The questionnaire was pre-tested with the involvement of three experts in the apparel retail sector and three academicians. A pilot study was carried out on 108 woman-owned MSMEs in the apparel retail sector. Reliability was tested, and the result suggested an excellent internal consistency of the items. Confirmatory Factor Analysis was applied to assess the scale for validity, which indicated an acceptable model fit for the final scale. All 61 items showed good reliability and validity in examining the factors that influence the intention to adopt integrated PG service in the organizational setting of the apparel sector.

Keywords: Payment Gateway; Scale Development and Validation; Women Entrepreneur (search for similar items in EconPapers)
Date: 2024
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DOI: 10.2991/978-94-6463-425-9_8

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