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Decision Factors for the Adoption of an Online Payment System by Customers
APPENDIX I.
Summary of Online System Adoption Factors Addressed in Related Literature
Category
Perceived characteristics of online payment methods
Vendor’s system characteristics
Customer’s characteristics
Dimension Perceived risk
Perceived EHQH¿WV
Product or service features
Web site features
Client-side technology
Demographic variables
Internet experience
Factors
Credit card fraud Lack of protection by
government policy and legal regulation Exposure to personal information
Concern of system security
Perceived usefulness (PU)
Perceived easiness of use (PEOU) (I¿FLHQF
Convenience )LQDQFLDOEHQH¿WV
Multiple functions of product or service
Web site satisfaction
Reliability Effectiveness Security Gender
Age
Education Income
Computer knowledge Online shopping Online stock trading Online auctions
Online vending
Literature
Bhatnagar et al. (2000) Biukovic (2002) *RQ]iOH] Strauss et al. (2002) Luo (2002)
Wang et al. (1998) Hwang et al. (2003) Pavlou (2003) Davis (1989)
Davis (1989)
Chou et al. (2004) Daft et al. (1986) Yu et al. (2002) Chen et al. (2003) Lucas et al. (2002) Wilson et al. (2002)
Debruyne et al. (2002)
Lee et al. (2005) Liang et al. (2002) Ranganathan et al. (2002)
Hill (2003)
Banerjee et al. (2005) Garbarino et al. (2004) Gilly et al. (1985) Pommer et al. (1980) Akhter (2003)
Slyke (2002)
Eastin (2002)
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Decision Factors for the Adoption of an Online Payment System by Customers
APPENDIX II.
Questionnaire for Pay-Bills-Online Experience
Please rank the statements below from (1) Strongly Disagree to (5) Strongly Agree
Customers’ Use Intention
Q1: I would like to use an online payment system to pay my bills.
Perceived Risk
Q2: The risk of credit card fraud for online transactions and Payments is low for me.
Q3: I would feel free to submit my personal information online to creditors (vendors) so that they can better serve my online-transaction needs.
Q4: Existing government policies are VXI¿FLHQWWRNHHSRQOLQHWUDQVDFWLRQVDQG payments safe and secure.
Q5: Existing legal regulations for online transactions and payments can effectively protect my information privacy.
4,KDYHFRQ¿GHQFHLQWKHVHFXULW\RI the existing online transaction network.
3HUFHLYHG%HQH¿WV
Q7: Learning to use the online payment system is easy.
Q8: The online payment system enables me to pay my bills faster.
Strongly Disagree
1 2
1 2
1 2
1 2
1 2
1 2
1 2
1 2
Agree
3 4
3 4
3 4
3 4
3 4
3 4
3 4
3 4
Strongly Agree
5
5
5
5
5
5
5
5
Q9: I would prefer to pay bills online if
I can get a discount and/or bonus from 1 2 3 4 5 creditors and vendors.
Q10: I would prefer to pay bills online if
I have many credit accounts to pay off, 1 2 3 4 5 because it can save postage costs.
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Decision Factors for the Adoption of an Online Payment System by Customers
APPENDIX II.
continued
Q11: I would prefer to pay bills online if I have many credit accounts to pay off, because it can help me better meet the payment deadline and avoid the late penalty.
Q12: I would prefer to pay bills online as I can HDVLO\¿QGDFFHVVWRFRPSXWHUVDQGWKH,QWHUQHW
Vendors’ Service Features
Q13: I would prefer to pay bills online if my payments can be scheduled for automatic deductions at regular intervals each month.
Q14: I would prefer to pay bills online if I have control over how much I want to pay and when I want to pay.
Vendors’Web site features
Q15: It’s easy to interact with the Web site of the online payment system.
Q16: The Web site design of the online payment system looks attractive to me.
Client-Side Technology
Q17: Having famous-brand anti-virus and ¿UHZDOOVRIWZDUHLQVWDOOHGRQP\FRPSXWHUV would make me more willing to pay bills online.
Q18: A higher speed (transmission rate) for my Internet access would make me more willing to pay bills online.
Q19: The newest version of my operating system should be more secure for online payments and less vulnerable to online thefts.
Q20: Having non-Microsoft-Windows operating system installed on my computer(s) would make me more willing to pay bills online.
1 2 3 4 5
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