Skip to main content
SpringerLink
Log in

E-Payment Continuance Usage: The Roles of Perceived Trust and Perceived Security

  • Conference paper
  • First Online:
Computational Science and Its Applications – ICCSA 2022 Workshops (ICCSA 2022)

Part of the book series: Lecture Notes in Computer Science ((LNCS,volume 13381))

Included in the following conference series:

  • 927 Accesses

Abstract

E-payment is an important concept of the core e-commerce elements; it has become one of the essential success factors for financial and business services. This work elaborates the roles of perceived trust and perceived security on continuance usage of e-payment through collecting data from students who have used e-payment for e-commerce in Vietnam. The maximum likelihood of structural equation modelling is analyzed on a total sample of convenient of 210 customers. Research findings demonstrate that perceived trust and perceived security have significant roles in the model of e-payment adoption. The model amounts to 26% of continuance usage of e-payment.

This is a preview of subscription content, log in via an institution to check access.

Access this chapter

Log in via an institution
Chapter
USD 29.95
Price excludes VAT (USA)
  • Available as PDF
  • Read on any device
  • Instant download
  • Own it forever
eBook
USD 99.00
Price excludes VAT (USA)
  • Available as EPUB and PDF
  • Read on any device
  • Instant download
  • Own it forever
Softcover Book
USD 129.99
Price excludes VAT (USA)
  • Compact, lightweight edition
  • Dispatched in 3 to 5 business days
  • Free shipping worldwide - see info

Tax calculation will be finalised at checkout

Purchases are for personal use only

Institutional subscriptions

References

  1. Abrazhevich, D.: Electronic Payment Systems: A User-Centered Perspective and Interaction Design. Technische Universiteit Eindhoven (2004)

    Google Scholar 

  2. Aladwani, A.M.: Online banking: a field study of drivers, development challenges, and expectations. Int. J. Inf. Manag. 21(3), 213–225 (2001)

    Article  Google Scholar 

  3. Bauer, R.A.: Consumer behavior as risk taking. In: AMA Proceeding, Chicago (1960)

    Google Scholar 

  4. Bhattacherjee, A.: Understanding information systems continuance: an expectation-confirmation model. MIS Q. 25(3), 351–370 (2001)

    Article  Google Scholar 

  5. Chellappa, R.K., Pavlou, P.A.: Perceived information security, financial liability and consumer trust in electronic commerce transactions. Logist. Inf. Manag. 15(5), 358–368 (2002)

    Article  Google Scholar 

  6. Davis, F.D., Bagozzi, R.P., Warshaw, P.R.: User acceptance of computer technology: a comparison of two theoretical models. Manage. Sci. 35, 982–1003 (1989)

    Article  Google Scholar 

  7. Featherman, M., Pavlou, P.: Predicting e-services adoption: a perceived risk facets perspective. Int. J. Hum. Comput. Stud. 59(4), 451–474 (2003)

    Article  Google Scholar 

  8. Gao, L., Waechter, K.A.: Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation. Inf. Syst. Front. 19(3), 525–548 (2015). https://doi.org/10.1007/s10796-015-9611-0

    Article  Google Scholar 

  9. Gefen, D., Karahanna, E., Straub, D.: Trust and TAM in online shopping: an integrated model. MIS Q. 27(1), 51–90 (2003)

    Article  Google Scholar 

  10. Hackbarth, G., Grover, V., Mun, Y.Y.: Computer playfulness and anxiety: positive and negative mediators of the system experience effect on perceived ease of use. Inf. Manag. 40, 221–232 (2003)

    Article  Google Scholar 

  11. Hwang, R.J., Li, J.F., Hsiao, Y.K.: A wireless-based authentication and anonymous channels for GSM system. J. Comput. 17, 31–36 (2006)

    Google Scholar 

  12. Kalakota, R., Whinston, A.B.: Electronic Commerce: A Manager’s Guide. Addison-Wesley, Boston (1997)

    Google Scholar 

  13. Kim, C., Tao, W., Shin, N., Kim, K.S.: An empirical study of customers’ perceptions of security and trust in e-payment systems. Electron. Commer. Res. Appl. 9, 84–95 (2010)

    Article  Google Scholar 

  14. Laudon, K., Traver, C.: E-Commerce: Business Technology Society. Pearson (2021)

    Google Scholar 

  15. Liao, C., Liu, C.C., Chen, K.: Examining the impact of privacy, trust and risk perceptions beyond monetary transactions: an integrated model. Electron. Commer. Res. Appl. 10, 702–715 (2011)

    Article  Google Scholar 

  16. Limayem, M., Hirt, S.G., Cheung, C.M.: How habit limits the predictive power of intention: the case of information systems continuance. MIS Q. 31(4), 705–737 (2007)

    Article  Google Scholar 

  17. Linck, K., Pousttchi, K., Wiedemann, D.G.: Security issues in mobile payment from the customer viewpoint. In: ECIS Proceedings, p. 62 (2006)

    Google Scholar 

  18. Nguyen, T.D., Huynh, P.A.: The roles of perceived risk and trust on e-payment adoption. In: Anh, L.H., Dong, L.S., Kreinovich, V., Thach, N.N. (eds.) ECONVN 2018. SCI, vol. 760, pp. 926–940. Springer, Cham (2018). https://doi.org/10.1007/978-3-319-73150-6_68

    Chapter  Google Scholar 

  19. Oney, E., Guven, G.O., Rizvi, W.H.: The determinants of electronic payment systems usage from consumers’ perspective. Econ. Res.-Ekonomska Istraživanja 30, 394–415 (2017)

    Article  Google Scholar 

  20. Park, J., Lee, D., Ahn, J.: Risk-focused e-commerce adoption model: a cross-country study. J. Glob. Inf. Technol. Manag. 7, 6–30 (2004)

    Google Scholar 

  21. Pavlou, P.A.: Consumer acceptance of electronic commerce: integrating trust and risk with the technology acceptance model. Int. J. Electron. Commer. 7, 101–134 (2003)

    Article  Google Scholar 

  22. Rahman, S.: Introduction to E-commerce technology in business. GRIN (2014)

    Google Scholar 

  23. Shao, Z., Zhang, L.: What promotes customers’ trust in the mobile payment platform: an empirical study of alipay in China. In: CONF-IRM Proceedings, p. 45 (2018)

    Google Scholar 

  24. Shon, T.H., Swatman, P.M.: Identifying effectiveness criteria for Internet payment systems. Internet Res. 8(3), 202–218 (1998)

    Article  Google Scholar 

  25. Suwunniponth, W.: Customers’ intention to use electronic payment system for purchasing. Image 3, 39994 (2015)

    Google Scholar 

  26. Swick, N.K.: Benefits & risks of electronic payment systems (2010). https://thatcreditunionblog.wordpress.com

  27. Tsiakis, T., Sthephanides, G.: The concept of security and trust in electronic payments. Comput. Secur. 24, 10–15 (2005)

    Article  Google Scholar 

  28. Venkatesh, V., Morris, M.G., Davis, G.B., Davis, F.D.: User acceptance of information technology: toward a unified view. MIS Q. 27(3), 425–478 (2003)

    Article  Google Scholar 

  29. Venkatesh, V., Thong, J.Y., Chan, F.K., Hu, P.J.H., Brown, S.A.: Extending the two-stage information systems continuance model: incorporating UTAUT predictors and the role of context. Inf. Syst. J. 21, 527–555 (2011)

    Article  Google Scholar 

  30. We are social. Digital 2020 Vietnam report (2021)

    Google Scholar 

  31. Wu, J.H., Wang, S.C.: What drives mobile commerce?: An empirical evaluation of the revised technology acceptance model. Inf. Manag. 42, 719–729 (2005)

    Article  Google Scholar 

  32. Yang, Q., Pang, C., Liu, L., Yen, D., Tarn, J.: Exploring consumer perceived risk and trust for online payments: an empirical study in China’s younger generation. Comput. Hum. Behav. 50, 9–24 (2015)

    Article  Google Scholar 

  33. Yaokumah, W., Kumah, P., Okai, E.: Demographic influences on e-payment services. Int. J. Econ. Bus. Res. 13(1), 44–65 (2017)

    Google Scholar 

  34. Shaba, M., Roland, A., Simon, J., Misra, S., Ayeni, F.: A real-time sentimental analysis on e-commerce sites in Nigeria using machine learning. In: Shaba, M., Roland, A., Simon, J., Misra, S., Ayeni, F. (eds.) HIS 2021. LNNS, vol. 420, pp. 452–462. Springer, Cham (2022). https://doi.org/10.1007/978-3-030-96305-7_42

    Chapter  Google Scholar 

  35. Vietnam E-commerce Association: Vietnam e-commerce (2021)

    Google Scholar 

  36. Q&Me: Vietnam e-commerce report, Ho Chi Minh City (2018)

    Google Scholar 

  37. Venkatesh, V., Davis, F.D.: A theoretical extension of the technology acceptance model: four longitudinal field studies. Manag. Sci. 46, 186–204 (2000)

    Article  Google Scholar 

  38. Venkatesh, V., Bala, H.: Technology acceptance model 3 and a research agenda on interventions. Decis. Sci. 39, 273–315 (2008)

    Article  Google Scholar 

  39. Venkatesh, V., Thong, J., Xu, X.: Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS Q. 36(1), 157–178 (2012)

    Article  Google Scholar 

  40. Afolabi, A.O., Oluwatobi, S., Emebo, O., Misra, S., Garg, L.: Evaluation of the merits and demerits associated with a diy web-based platform for e-commerce entrepreneurs. In: Garg, L., et al. (eds.) ISMS 2020. LNNS, vol. 303, pp. 214–227. Springer, Cham (2022). https://doi.org/10.1007/978-3-030-86223-7_19

    Chapter  Google Scholar 

Download references

Acknowledgment

We would like to say acknowledge to three blind reviewers for their helpful comments on this research. We also would like to say thank for these comments and supports of Prof. Sanjay Misra on this work.

Author information

Authors and Affiliations

  1. Banking University of Ho Chi Minh City, Ho Chi Minh City, Vietnam

    Thanh D. Nguyen & Quynh N. T. Tran

Authors
  1. Thanh D. Nguyen
    View author publications

    You can also search for this author in PubMed Google Scholar

  2. Quynh N. T. Tran
    View author publications

    You can also search for this author in PubMed Google Scholar

Corresponding author

Correspondence to Thanh D. Nguyen .

Editor information

Editors and Affiliations

  1. University of Perugia, Perugia, Italy

    Osvaldo Gervasi

  2. University of Basilicata, Potenza, Potenza, Italy

    Beniamino Murgante

  3. Østfold University College, Halden, Norway

    Sanjay Misra

  4. University of Minho, Braga, Portugal

    Ana Maria A. C. Rocha

  5. University of Cagliari, Cagliari, Italy

    Chiara Garau

Rights and permissions

Reprints and permissions

Copyright information

© 2022 The Author(s), under exclusive license to Springer Nature Switzerland AG

About this paper

Check for updates. Verify currency and authenticity via CrossMark

Cite this paper

Nguyen, T.D., Tran, Q.N.T. (2022). E-Payment Continuance Usage: The Roles of Perceived Trust and Perceived Security. In: Gervasi, O., Murgante, B., Misra, S., Rocha, A.M.A.C., Garau, C. (eds) Computational Science and Its Applications – ICCSA 2022 Workshops. ICCSA 2022. Lecture Notes in Computer Science, vol 13381. Springer, Cham. https://doi.org/10.1007/978-3-031-10548-7_19

Download citation

  • DOI: https://doi.org/10.1007/978-3-031-10548-7_19

  • Published:

  • Publisher Name: Springer, Cham

  • Print ISBN: 978-3-031-10547-0

  • Online ISBN: 978-3-031-10548-7

  • eBook Packages: Computer ScienceComputer Science (R0)

Publish with us

Policies and ethics

Search

Navigation