Facilitating the adoption of e-payment systems: Theoretical constructs and empirical analysis

Journal of Enterprise Information Management

Volumn 23, Issue 3, 2010, Pages 305-325

  Özkan, Sevgi ^a   Bindusara, Gayani ^b   Hackney, Ray ^b  

^a MIDDLE EAST TECHNICAL UNIVERSITY   (Turkey)

^b BRUNEL UNIVERSITY   (United Kingdom)

Author keywords

Electronic commerce; Payments; Risk; Trust

Indexed keywords

EID: 77951625866     PISSN: 17410398     EISSN: None     Source Type: Journal    
DOI: 10.1108/17410391011036085     Document Type: Article

References (45)

1. Abrazhevich, D. (2004), "Electronic payment systems: a user-centered perspective and interaction design", PhD thesis, Technical University of Eindhoven, Eindhoven.
2. Agarwal, R. and Venkatesh, V. (2002), "Assessing a firm's web presence: a heuristic evaluation procedure for the measurement of usability" in Information Systems Research, Vol. 13, pp. 168-86.
3. Bagozzi, R.P., Davis, F.D. and Warshaw, P.R. (1992), "Development and test of a theory of technological learning and usage" in Human Relations, Vol. 45, No. 7, pp. 660-86.
4. Banerjee, S., Kang, H., Bagchi-Sen, S. and Rao, H.R. (2005), "Gender division in the use of the Internet applications" in International Journal of E-Business Research, Vol. 1, No. 2, pp. 24-39.
5. Bauer, R.A. (1960), "Consumer behavior as risk-taking" in Hancock, R.S. (Ed.), Dynamic Marketing for a Changing World, American Marketing Association, Chicago, IL, pp. 389-98.
6. Bitpipe (2006), "IT information: white papers, product literate, web casts, and cases studies", available at: www.bitpipe.com /tlist/online-payments.html (accessed 26 July 2008).
7. Bryman, A. (2007), "Barriers to integrating quantitative and qualitative research" in Journal of Mixed Methods Research, Vol. 1, No. 1, pp. 8-22.
8. Cohen, J. (1988), Statistical Power Analysis for the Behavioural Sciences, 2nd ed., Lawrence Erlbaum Associates, Hillsdale, NJ.
9. Davis, G. (1989), "Perceived usefulness, perceived ease of use and user acceptance of information technology" in MIS Quarterly, Vol. 13, No. 3, pp. 319-39.
10. Dowling, G.R. and Staelin, R. (1994), "A model of perceived risk and intended risk-handling activity", Journal of Consumer Research, Vol. 21, June.
11. Easterby-Smith, M., Thorpe, R. and Jackson, P.R. (2008), Management Research, 3rd ed., Sage Publications, Los Angeles, CA.
12. Featherman, M.S. and Pavlov, P.A. (2003), "Predicting e-services adoption: a perceived risk facets perspective" in International Journal of Human-Computer Studies, Vol. 59, No. 4, pp. 451-74.
13. Fazlollahi, B. (2002), Strategies for E Commerce Success, IPM, London.
14. Fishbein, M. and Ajzen, I. (1975), Belief, Attitude, Intention, and Behaviour: An Introduction to Theory and Research, Addison-Wesley, Reading, MA.
15. Gao, Y. (2005), "Interactivity and amusement in electronic commerce" in Encyclopedia of Information Science and Technology, Vol. III, pp. 1607-11.
16. Garbarino, E. and Strahilevitz, M. (2004), "Gender differences in the perceived risk of buying online and the effects of receiving a site recommendation" in Journal of Business Research, Vol. 57, No. 7, pp. 768-75.
17. Goldfinger, C. and Perrin, J. (2001), "E finance and small and medium-size enterprises (SMEs) in developing and transition economies" in pp. 45-78, UNCTAD background papers, United Nations Conference on trade and Development, Geneva.
18. Heng, S. (2004), "E-payments: modern complement to traditional payment systems", Economics Working Paper No. 44, May 6, available at http://ssrn.com/abstract=542523.
19. Hoffman, D.L., Novak, T.P. and Peralta, M.A. (1999), "Building consumer trust online" in Communications of the ACM, Vol. 42, No. 4, pp. 80-5.
20. Jarvenpaa, S.L., Tractinsky, J. and Vitale, M. (2000), "Consumer trusts in an internet store" in Information Technology and Management, Vol. 1, Nos 1/2, pp. 45-71.
21. Khalifa, M. and Ning Shen, K. (2008), "Explaining the adoption of transactional B2C mobile commerce" in Journal of Enterprise Information Management, Vol. 21, No. 2, pp. 110-24.
22. Khosrow, M. and Herman, N. (2001), "Critical issues of web-enabled technologies in modern organizations" in The Electronic Library, Vol. 19, No. 4, pp. 208-20.
23. Khosrow-Pour, M. (2008), Web Technologies for Commerce and Services Online, IGI Global, Hershey, PA, Information Science Reference.
24. Kim, K. and Prabhakar, B. (2000), "Initial trust, perceived risk, and the adoption of internet banking", Proceedings of ICIS 2000, Brisbane.
25. Kimery, K. and McCord, M. (2002), "Third-party assurances: mapping the road to trust in retailing" in Journal of Information Technology Theory and Applications, Vol. 4, No. 2, pp. 63-82.
26. Kurnia, S. and Benjamin, L. (2007), "Exploring the reasons for a failure of electronic payment systems a case study of an Australian company" in Journal of Research and Practice in Information Technology, Vol. 39, No. 4, pp. 34-67.
27. Kniberg, H. (2002), "What makes a micropayment solution succeed?", Kungliga Tekniska Högskolan, Stockholm, Master's thesis.
28. Leong, E., Leong, K.F., Ewing, M.T. and Pitt, L.F. (2003), "Australian marketing managers' perceptions of the internet: a quasi-longitudinal perspective" in European Journal of Marketing, Vol. 37, Nos 3/4, pp. 554-71.
29. Lu, H.P., Hsu, C.L. and Hsu, H.Y. (2005), "An empirical study of the effect of perceived risk upon intention to use online applications" in Information Management & Computer Security, Vol. 13, No. 2, pp. 106-20.
30. McHenry, W. and Borisov, A. (2005), "E-government public-private partnerships: the 'Gorod' payments system in Siberia" in The Journal of Enterprise Information Management, Vol. 18, No. 5, pp. 625-40.
31. MacInnes, I. (2005), "Causes of disputes in online auctions" in Electronic Markets, Vol. 15, No. 2, pp. 146-57.
32. Mehta, R. and Sivadas, E. (1995), "Comparing response rates and response content in e-mail versus electronic mail surveys" in Journal of the Market Research Society, Vol. 37, No. 4, pp. 429-39.
33. Miyazaki, A.D. and Fernandez, A. (2001), "Consumer perceptions of privacy and security risks for online shopping" in The Journal of Consumer Affairs, Vol. 35, No. 1, pp. 27-44.
34. Moores, T. (2005), "Do consumers understand the role of privacy seals in e-commerce?" in Communications of the ACM, Vol. 48, No. 3, pp. 86-91.
35. Nikitkov, A. and Bay, D. (2008), "Online auction fraud: ethical perspective" in Journal of Business Ethics, p. 79(3.
36. Panurach, P. (1996), "Money in electronic commerce: digital cash, electronic fund transfer and e-cash" in Communications of the ACM, Vol. 39, No. 6, pp. 45-50.
37. Portz, K., Strong, J.M., Busta, B. and Schneider, K. (2000), "Do consumers understand what Web Trust means?" in CPA Journal, Vol. 70, No. 10, p. 47.
38. Pousttchi, K. (2003), "payment procedures", MPRA Paper No. 2912, available at: http://mpra.ub.uni-muenchen.de/2912/.
39. Riggins, F.J. and Rhee, H. (1998), "Towards a unified view of electronic commerce", available at: http://riggins-mgt.iac.gatech. edu/papers/unified.html.
40. Roselius, T. (1971), "Consumer rankings of risk reduction methods" in Journal of Marketing, Vol. 35, No. 1, pp. 56-61.
41. Saunders, M., Lewis, P. and Thornhill, A. (2007) in Research Methods for Business Students, 4th ed., Pearson Education, Harlow, p. 94.
42. Szymanski, D.M. and Hise, R.T. (2000), "E-satisfaction: an initial examination" in Journal of Retailing, Vol. 76, No. 3, pp. 309-22.
43. Truong, D. and Jitpaiboon, T. (2008), "How IT purchasing preparedness facilitates e-marketplace usage" in Journal of Enterprise Information Management, Vol. 21, No. 2, pp. 198-218.
44. Tsiakis, T. and Sthephanides, G. (2005), "The concept of security and trust in electronic payments" in Computers & Security, Vol. 24, No. 1, pp. 10-15.
45. Whiteley, D. (2000) in E-Commerce: Strategy, Technologies and Applications, McGraw-Hill International, London, pp. 23-45.