Title: Factors affecting the adoption of e-payment systems by university students: extending the TAM with trust

Authors: Said A. Salloum; Mostafa Al-Emran

Addresses: Faculty of Engineering and IT, The British University in Dubai, UAE; University of Fujairah, Fujairah, UAE ' Applied Computational Civil and Structural Engineering Research Group, Faculty of Civil Engineering, Ton Duc Thang University, Ho Chi Minh City, Vietnam

Abstract: Studying the adoption of e-payment systems is not a new research topic. However, studying the factors affecting the adoption of e-payment systems in the higher educational institutions is a topic of great importance. Therefore, this study is considered the first that attempts to examine the factors affecting the e-payment systems adoption in nine different universities in the United Arab of Emirates (UAE). A total number of 528 students participated in the study. The technology acceptance model (TAM) was extended with the trust factor to examine the students' intention to use the e-payment systems. The partial least squares-structural equation modelling (PLS-SEM) approach was used to validate the developed model. The empirical results suggested that trust is a significant factor in predicting the perceived usefulness, perceived ease of use, and e-payment adoption. The perceived ease of use is also found to be a significant determinant that affects the perceived usefulness and e-payment adoption. Surprisingly, perceived usefulness is found to be insignificant in determining the e-payment adoption.

Keywords: e-payment; adoption; technology acceptance model; TAM; trust; PLS-SEM.

DOI: 10.1504/IJEB.2018.098130

International Journal of Electronic Business, 2018 Vol.14 No.4, pp.371 - 390

Received: 28 Sep 2018
Accepted: 16 Dec 2018
Published online: 04 Mar 2019 *

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