ANALYSING THE FACTORS THAT INFLUENCE THE ADOPTION OF INTERNET PAYMENT SYSTEM BY MALAYSIAN PUBLIC USERS
AMIN, MUHAMAD SADE MOHAMAD
SAID, MOHD FUAAD
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The goals of this study are to identify factors that influence internet-payment system adoption by the Malaysian public, and to comprehend the effect of these factors on their behavior toward adopting the system. A self-administered questionnaire was used and feedback from 308 individual users were gathered and analysed using structural Equation Modeling (SEM) techniques. Findings indicate that perceived usefulness, ease of use and social influance have an influence on the behavioral intention of users, which in turn, affect the actual use of the system by them. Moreover, it is also determined that perceived risk has a mediating effect on the relationship between trust and behavioral intention to usage. Results from this study contribute to the literature of user accpetance of Information systems and can help service providers, such as Malaysian commercial banks and government agencies, in enhancing their online payment systems that are provided to the general public.