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Information Sciences Letters

Information Sciences Letters

Abstract

In this study we investigate how an extended Technology Acceptance Model (TAM) might be used to gain a better understanding of the factors that influence customers decisions to accept E-payment services in the Kingdom of Bahrain. The work adapted a quantitative approach, and a questionnaire was distributed to 530 E-payment users in the Kingdom of Bahrain using convenience sampling, and 397 viable responses were collected for further analysis. Research hypotheses were tested after a descriptive analysis was conducted to identify patterns in the data and a subsequent inferential analysis using structural equation modeling (SEM) with confirmatory factor analysis (CFA) and full-fledged structural equation modeling. The findings support the claims made in the extended TAM theory literature that the Kingdom of Bahrain banking customers are more likely to adopt E-payment methods if both ease of use and usefulness factors are present. E-payment systems Behavioral Intention to Use was also highly influenced by aspects including security, trust, and accessibility. This study seeks to improve the knowledge of TAM theory in relation to E-payment acceptance in the Kingdom of Bahrain. It identifies the factors that encourage customers in the banking sector to accept E-payment. This study also deepens our familiarity with the TAM from the customers point of view, and the verified model can be used to help managers in the banking sector understand customer perspectives in relation to E-payment. This study makes a societal contribution by demonstrating the necessity of designing E-payment apps with a focus on elements such as ease of use, usefulness, trust, security, and accessibility, all of which are significant in the creation and design of E-payment apps. This study is unique in that it experimentally validates the extended TAM conceptual model using novel approaches such as structural equation modeling with value creation for banking sector management.

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