Factors Influencing Intention to Use e-Payments System (eFAWATEERcom) العوامل المؤثرة في النية إلستخدام نظام الدفع الالكتروني إي فواتيركم

جعفر, بالل داود (2017) Factors Influencing Intention to Use e-Payments System (eFAWATEERcom) العوامل المؤثرة في النية إلستخدام نظام الدفع الالكتروني إي فواتيركم. Masters thesis, جامعة الشرق الاوسط.

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Abstract

Electronic payment systems are considered a good advancement in the fields of business banking and commerce. In Jordan eFAWATEERcom is the country’s e-payment system. Several models were developed over the years to explain and predict users’ intention to use novel technology. Of those, the UTAUT is often regarded as highly predictive tool. As with other models of behavior, technology acceptance models such as the UTAUT should be validated in a cultural context. The first purpose of this study was to examine customers' intention to use eFAWATEERcom, and assess the factors that influence that intention. The second purpose was to propose a model that would predict the intention of Jordanian commercial banks customers to use eFAWATEERcom with a high level of accuracy. A questionnaire-based approach was utilized to asses and explain Jordanian’s intention to use eFAWATEERcom. The questionnaire was developed based on the UTAUT model, extended by the addition of "Trust" and "Perceived Security". In-depth statistical analysis was performed to explain the results and suggest a working model for future work. This study suggested that performance expectancy, effort expectancy, social influence, facilitating conditions, trust and perceived security are key predictors of behavior intention to adopt the use of eFAWATEERcom, at α≤0.05. This study also indicated that age and gender do not modulate the effect of the above-mentioned elements on behavior intention. Key words: Behavior modeling, e-payments, UTAUT, performance expectancy, effort expectancy, facilitating conditions, social influence, trust, perceived security, behavior intention, and eFAWATEERcom

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