Demographic Influences on E-Payment Services

Yaokumah, Winfred; Kumah, Peace; Okai, Eric Saviour Aryee

doi:10.4018/978-1-5225-7510-8.ch032

Cited by 10 publications

(12 citation statements)

References 27 publications

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“…Are there any online transactions that do not involve banks? Various products and services have been offered by banks to customers, including e-banking, m-banking, e-wallet, e-cash, e-check and so on (Yaokumah et al , 2017). Considering the many products offered by banks when some customers are hesitant or afraid to use online transactions, banks must be able to convince customers and make them willing to adopt and use technology-based products and services continuously.…”

Section: Introductionmentioning

confidence: 99%

The role of customer intimacy in increasing Islamic bank customer loyalty in using e-banking and m-banking

Mulia

Usman²,

Parwanto³

2020

JIMA

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Purpose The purposes of this study are to develop an extended technology acceptance model (TAM) model by adding customer intimacy, perceived risk, trust and Sharia compliance as external variables, in which TAM is used as the evaluation method for the use of e-banking and m-banking by customers of Islamic bank; and to study the role of customer intimacy in increasing satisfaction and encouraging loyalty of Islamic bank customers in using e-banking and m-banking. Design/methodology/approach Data collection is carried out by the self-administered survey method with Islamic bank customers as target population. Multivariate analysis of variance and multiple linear regression are applied for data analysis. Findings Customer intimacy not only encourages the emergence of customer loyalty directly, but also affects the factors that determine customer loyalty itself, such as perceived usefulness, perceived ease of use, perceived risk, trust, sharia compliance and satisfaction. In other words, customer intimacy has a direct and indirect influence on loyalty. Originality/value This paper offers an extended TAM constructs to study the role of customer intimacy in increasing loyalty by considering various variables, namely, perceived risk, trust, Sharia compliance and satisfaction. Similar research is still very limited in the banking marketing literature, especially in Islamic banks context.

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Section: Introductionmentioning

confidence: 99%

The role of customer intimacy in increasing Islamic bank customer loyalty in using e-banking and m-banking

Mulia

Usman²,

Parwanto³

2020

JIMA

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“…However, there is a relationship between age and the behavior to use e-payment systems, more precisely, the satisfaction of using the systems; because young people have more expectations from e-payment services, they are not satisfied easily. The level of education is not significantly related to the behavior toward e-payment systems usage; however, according to the study, users with a higher level of education feel less secure using the epayment services [20].…”

Section: Demographic Variables and E-payment Adoptionmentioning

confidence: 71%

Analyzing the Adoption of E-payment Services in Smart Cities using Demographic Analytics: The Case of Dubai

Said¹,

Najdawi²,

Chabani³

2021

Adv. sci. technol. eng. syst. j.

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This paper is an extension of previous research that has been done on factors affecting digital payment adoption in the UAE. This study focuses on analyzing which relevant demographic factors affect new e-payment technologies, mainly in the smart city Dubai, with more complexities and dynamics of variables that affect users' behavior toward adopting new technologies. The current research included a wider range of demographic factors compared to previous studies. Quantitative methods were conducted using a survey of 270 individuals living and working in Dubai. This study revealed that e-payment adoption is very high, which could be aligned with the national digital transformation strategy of the UAE. The results of the chi-square test for independence indicate that using e-payment technologies is positively associated with the level of education and the level of income. This is confirmed by the fact that the UAE's demographic shape is identified by its high-income groups, positively influencing the residents' e-payment adoption. Surprisingly, the significant results for independence were not found between using e-payments and the gender, marital status, age group, and the current professional position in Dubai. This research's contribution adds to both academia and industry in the digital transformation and technology adoption field. Based on the results, it is recommended for decision-makers to leverage education, digital literacy, and income to accelerate moving toward a cashless economy. However, not having statistically significant differences between the rest demographic variables and adoption will encourage businesses and e-payment service providers to deliver new innovative e-payment models and technologies in a smart city context.

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“…Yaokumah et al [11] investigated customers' preferences of payment systems and the influence of demography on the attitude of customers towards epayment services. The t-test and the analysis of variance were employed to examine the differences in perception of security, ICT literacy, customer satisfaction, and the use of e-payment services based on customers' age, gender, and the level of education.…”

Section: State Of Art In Electronic Payments Service Managementmentioning

confidence: 99%

Decision Support in the Management of Instant Payment Services

Yusupova¹,

Котельников²,

Bogdanova³

et al. 2019

Proceedings of the VIth International Workshop 'Critical Infrastructures: Contingency Management, Intelligent, Agent-Based, Clo

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The paper touches upon the issue of improving the efficiency of the process of providing services for the payments payment by the population through a distributed system of instant payments. Improving the efficiency of the service delivery process is achieved by supporting decision-making managers, system administrators at three stages of the service delivery process: creating a service, making a payment, and evaluating the service effectiveness. A scheme of management of rendering services process in the system of instant payments, a block diagram and an algorithm of the DSS work describing decision support in the system in question are presented. The process of instant payment system operation was formalized, which allowed developing a distributed system architecture and software based on web services technology. In order to describe the network services, it is proposed to use WSDL using the SOAP protocol and the UDDI interface, which will ensure the interoperability of software systems regardless of platform, as well as the ease of development and web services debugging. Thus, load testing of the instant payment system software was carried out and its reliability was evaluated on the basis of La Padula, Jelinsky-Moranda and Mills models.

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Demographic Influences on E-Payment Services

Cited by 10 publications

References 27 publications

The role of customer intimacy in increasing Islamic bank customer loyalty in using e-banking and m-banking

The role of customer intimacy in increasing Islamic bank customer loyalty in using e-banking and m-banking

Analyzing the Adoption of E-payment Services in Smart Cities using Demographic Analytics: The Case of Dubai

Decision Support in the Management of Instant Payment Services

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