Assesing the role of risk and trust in consumers’ adoption of online payment systems

Francisco Liébana-Cabanillas, Elena Higueras-Castillo, Sebastián Molinillo, Miguel Ruiz Montañez

Resumen


The determinants of the intention to use online payment methods linked to e-commerce have been present in numerous and current studies which shows its importance. The present study aims to study some of its determinants based on the classical variables proposed in the successive acceptance models of the technology and its subsequent modifications, adding the constructs of trust and perceived risk. To achieve our objectives, we designed a self-administered web-based survey of open access to users with different characteristics. The results showed that only attitude determine the intention to use payment systems as opposed to trust and perceived risk. Finally, our research introduces several implications for businesses, focusing on consumers' intent to use these online payment services. The results obtained in this research poses important implications for the adoption of online payment systems.

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Referencias


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