Title: Examining the implication of electronic payment in e-commerce transaction using SEM

Authors: Aarti Joshi; Ankita Pathak; Kinnarry Thakkar; Suresh Sorathia; Ravi Rajai

Addresses: School of Management, RK University, Rajkot, Gujarat, India ' Institute of Business Management, GLA University, Mathura, India ' Department of Commerce, University of Mumbai, India ' Department of Mathematics, Shreyarth University, Ahmedabad, India ' SAL Institute of Management, Opp. Science City, Ahmedabad, Gujarat, India

Abstract: Electronic payments are rapidly emerging as a potentially easy yet risky technique of performing financial transactions due to increased cybercrimes. The primary goal of this research is to give a thorough knowledge of electronic payments, with a particular emphasis on its features as a form of cashless transactions enabled by electronic channels. Following a comprehensive literature analysis, the research was done with characteristics such as website qualities, trust, dependability, risk, and privacy concerns in mind. The study's sample size was 430 respondents from various districts across Gujarat who commonly utilised e-payments for buying things online. Data analysis was done using Smart PLSS and SPSS 26. The findings revealed that the usage of e-payment influences the decision to purchase online, which is also influenced by website attributes and ease of use. The trust of users largely depended upon privacy concerns relating to payment portals and security measures offered by the portals.

Keywords: e-payments; electronic payments; online shopping; consumer behaviour; buying decision.

DOI: 10.1504/IJICBM.2026.155437

International Journal of Indian Culture and Business Management, 2026 Vol.38 No.3, pp.337 - 356

Received: 11 Jan 2024
Accepted: 12 May 2024
Published online: 03 Aug 2026 *

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