Examining the Impact of Perceived Benefit and Trust on Satisfaction with E – Payments: A Quantitative Study

Denisa A. Suteu, Jerico P. Asoy, Rona Mae L. Martagon and Gerlyn N. Chikim
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Denisa A. Suteu: Kapalong College of Agriculture, Sciences and Technology
Jerico P. Asoy: Kapalong College of Agriculture, Sciences and Technology
Rona Mae L. Martagon: Kapalong College of Agriculture, Sciences and Technology
Gerlyn N. Chikim: Kapalong College of Agriculture, Sciences and Technology

International Journal of Research and Innovation in Social Science, 2025, vol. 9, issue 5, 537-554

Abstract: User satisfaction with electronic payment systems is influenced by perceived benefits and trust. This study aimed to examine the impact of perceived benefits and trust on user satisfaction with electronic payment systems among college students at Kapalong College of Agriculture, Sciences, and Technology. Using a quantitative research design, the study employed a structured survey questionnaire to gather data from 284 financial management students selected through stratified random sampling. The study found that the level of perceived benefits, including perceived usefulness, perceived ease of use, and user acceptance of e-payments, was very high. Similarly, trust in e-payments, measured by calculative trust, familiarity with e-vendors, structural assurances, and situational normality, was also very high. Regression analysis was used to assess the relationships between the variables. Results revealed a significant positive correlation between perceived benefits, trust, and user satisfaction, indicating that higher levels of perceived benefits and trust lead to greater satisfaction with electronic payment systems. This study contributes to the understanding of electronic payment adoption in higher education, emphasizing the importance of fostering trust and demonstrating clear benefits to enhance user satisfaction. The study recommends further initiatives to improve trust and perceived benefits in electronic payment systems to encourage wider adoption and financial inclusion among students.

Date: 2025
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