Factors Predicting the Behavioral Adoption of Electronic Payment System (EPS)

Isaac Kofi Mensah, Guohua Zeng, Chuanyong Luo, Xiao Zhi-wu and Mengqiu Lu
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Isaac Kofi Mensah: School of Economics and Management, Jiangxi University of Science and Technology, China
Guohua Zeng: School of Economics and Management, Jiangxi University of Science and Technology, China
Chuanyong Luo: School of Economics and Management, East China Jiaotong University, China
Xiao Zhi-wu: School of Economics and Management, Jiangxi University of Science and Technology, China
Mengqiu Lu: School of Economics and Management, Jiangxi University of Science and Technology, China

International Journal of Information Systems in the Service Sector (IJISSS), 2021, vol. 13, issue 1, 88-104

Abstract: This study explored the behavioral adoption of electronic payment systems (EPS) among college students in China based on the UTAUT framework as the theoretical foundation of the study. The analysis was conducted using the partial least squares structural equation modeling (PLS-SEM) technique. The results have demonstrated that performance expectancy, effort expectancy, and perceived security were all significant in predicting the intention to use electronic payment systems. Perceived trust however was not a significant determinant of the intention to use. The individual user past experience was found to predict significantly the performance expectancy, effort expectancy, perceived security, and perceived trust of EPS. The managerial and theoretical implications of these findings on the design and diffusion of electronic payment systems are discussed.

Date: 2021
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Persistent link: https://EconPapers.repec.org/RePEc:igg:jisss0:v:13:y:2021:i:1:p:88-104

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