Abstract:
The investigation is conducted to find out major reasons that impacts the consumer
intention to use technology for payments. By the start of this century i.e. year 2000, the
modem technology has been exponentially expanding and thus introducing for new forms
of information & communication for individuals in terms of Digital Payment, that may
call as electronic payment or e-payments. An important question to answer is why cash is
still the main mode of payments, despite multiple e-payment solutions are available.
However, these solutions are in the early base stages and not common among the masses
of Pakistan. In this study, PU, PEOU, PC and SI were studied to recognize the associations with the consumers’ ITU e-payment services in Pakistan. To accomplish this,
a TAM study model was proposed which comprises of two outside factors (PC and SI),
two confidence (PU and PEOU), and one DV (ITU). Adapted questionnaire is used in
data collection for this research and responses are collected from metropolitan Karachi
Pakistan. From the results, it finds out that out of four suggested factors three have
significant impact on consumers’ ITU e-payment solutions in Pakistan with PU
considered to be strongest factor among all.
