Title: Predicting customer intention towards e-payment systems in online retailers

Authors: Rupali Khaire; Kishori Dalwadi; K. Meenatchi Somasundari; Niraj Chaudhari; Manpreet Uppal; Aditya Jani

Addresses: School of Commerce and Management, Sandip University, Nashik, Maharashtra, India ' Unitedworld of Design, Karnavati University, Gandhinagar, India ' Sanjivani College of Engineering, Savitribai Phule Pune University, Maharashtra, India ' Dr. Moonjie Institute of Management and Computer Studies, Savitribai Phule Pune University, Maharashtra, India ' Fortune Institute of International Business, New Delhi, India ' SAL Institute of Management, Ahmedabad, Gujarat, India

Abstract: This study aims to examine the various factors that influence the intention of e-customers who engage in online shopping. The researchers employed a cross-sectional study design to collect data pertaining to the responses of individuals engaged in online shopping. A convenient sampling method was utilised to gather a total of 430 valid responses from major cities in the GUJRAT region. The ADANCO (VBSEM) software was utilised to analyse the structural model. The findings of the path analysis indicate that trust, reliability, and website have a significant impact on customer intention towards e-payment systems. The current study possesses considerable practical value for policymakers, online enterprises, and managers.

Keywords: online shoppers; security; trust; reliability; risk; privacy concern.

DOI: 10.1504/IJICBM.2026.151569

International Journal of Indian Culture and Business Management, 2026 Vol.37 No.1, pp.1 - 18

Received: 05 Oct 2023
Accepted: 10 Dec 2023
Published online: 09 Feb 2026 *

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