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Users Supporting Multiple (Mobile) Electronic Payment Systems in Online Purchases : An Empirical Study of Their Payment Transaction Preferences

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dc.contributor.authorTounekti, Oussama
dc.contributor.authorRuiz-Martínez, Antonio
dc.contributor.authorSkarmeta Gómez, Antonio F.
dc.contributor.departmentIngeniería de la Información y las Comunicaciones
dc.date.accessioned2024-02-06T07:56:27Z
dc.date.available2024-02-06T07:56:27Z
dc.date.issued2019-12-23
dc.description©<2020>. This manuscript version is made available under the CC-BY license http://creativecommons.org/licenses/ccby/4.0/ This document is the Published, version of a Published Work that appeared in final form in [IEEE Access]. To access the final edited and published work see [https://doi.org/10.1016/j.compeleceng.2017.11.027]
dc.description.abstractThe online payment for products or for the access to payment-based services can be made by means of a range of (mobile) electronic payment systems - (M)EPS. Both the industrial sector and research community, mainly World Wide Web Consortium (W3C), are working on facilitating these payment methods on Web and supporting the multiple users on how they can select the suitable (M)EPS. However, to the best of our knowledge, there were no thorough studies considering consumer's preferences when they support multiple (M)EPS. To address this issue, we have performed a survey on an international participants (n=272) aiming to (i) developed a theoretical model to determine their preferences when they are supporting more than one (M)EPS, (ii) find the most valuable option according to them and (iii) determine the surrounding conditions that support their decision to use a specific (M)EPS. The theoretical framework of this study was based on the Technology Acceptance Model (TAM). According to our statistical analysis (Chi-square test), consumers that can pay using different (M)EPS during their online payment transaction, have a preferred payment system based on its security, fees, usefulness, and ease of use as well as on their favorite Web browser for these transactions. Factor analysis was also performed to identify factors that much influence the (M)EPS. Results revealed that the factors influencing online payment preferences differ from those involved in traditional payment methods. Our findings allowed, therefore, providing practical suggestions for supporting payment processes with Web browsers and the W3C payment Application Program Interface (API).es
dc.formatapplication/pdfes
dc.format.extent32es
dc.identifier.citationIEEE Access, Volume 8, p. 735 - 766, 2020
dc.identifier.doi10.1109/ACCESS.2019.2961785
dc.identifier.issn2169-3536 (electrónico)
dc.identifier.urihttp://hdl.handle.net/10201/138686
dc.languageenges
dc.publisherIEEEes
dc.relationThis work was supported in part by the Spanish Ministry of Economy and Competitiveness through the PERSEIDES under Contract TIN2017-86885-R, and in part by the European Union's Horizon 2020 Research and Innovation Program (OLYMPUS Project) under Grant 786725.es
dc.rightsinfo:eu-repo/semantics/openAccesses
dc.rightsAtribución 4.0 Internacional*
dc.rights.urihttp://creativecommons.org/licenses/by/4.0/*
dc.subjectElectronic payment systemses
dc.subjectMobile payment systemses
dc.subjectPayment preferencees
dc.subjectEase of usees
dc.subjectPerceived securityes
dc.subjectTechnology acceptance model (TAM)es
dc.titleUsers Supporting Multiple (Mobile) Electronic Payment Systems in Online Purchases : An Empirical Study of Their Payment Transaction Preferences
dc.typeinfo:eu-repo/semantics/articlees
dspace.entity.typePublicationes
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