Assessing E-Payment Adoption Factors: a Service Providers Perspective
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Date
2023-06-15
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Addis Ababa University
Abstract
E-payment technologies are continuously evolving creating new ways of transaction and money transfer. In developing economies E-payments such as mobile payment technologies are bringing new solutions to low infrastructure development problems. Emerging new innovations in E-payments indicate the need for continuous research and survey. Innovative information technologies such as E-payments are studied in two levels individual/consumer level and organizational/firm level. Most studies conducted in adoption factors identification of E-payments are in individual/consumer level creating a literature gap in the identification of factors affecting adoption of E-payments in organizational level. The purpose of this study is to identify factors affecting the adoption of E-payments in Ethiopian service providing organizations. A cross sectional survey with Innovation Organization Environment framework was adapted for this study. This study was conducted in 4 commercial bank’s organizational customers in Ethiopian capital Addis Ababa that use either E-payment or manual deposit for service payment reasons. Confirmatory factory Analysis (CFA) was used to validate the adapted instrument and logistic regression was used to test the hypothesis. According to the findings in this study perceived lack of IS knowledge and perceived security concern affect negatively and top management support affect positively the adoption of E-payments in Ethiopian service providing organizations.
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Keywords
E-Payment, Organizational Adoption, Electronic Payment, Digital Payment, E-Payment Adoption, Organizational E-Payment Adoption