Factors Impacting Electronic Payment Use Among University Students Of Pakistan In E Commerce

Abstract

Purpose - The aim ofthe research is to investigate determinants that impact intention to use electronic payment when doing online shopping among University Students in Pakistan : Design/methodology/approach - A survey was conducted with 407 respondents in the city of Karachi. Out of 407 people, 230 responses were chosen for the study as they were the electronic payment users. The study is quantitative research with deductive approach. The analysis technique used was Multiple Regression Analysis : Findings — Our study shows that ease of use, usefulness, financial security and social influence are determinants that influence the intention to use electronic payment when doing online shopping. - Research limitations-Limitations ofresearch are size of the sample was small and data was collected from only one geographic region. The research was limited to c ily 4 independent variable and did not assume many other important factors. Implications- The result findings provide knowledge for electronic transaction facility providers to improve their electronic payment services to see growth in electronic payment usage. Future research can base their study on this research and perform similar in their respective regions. •! ■ ; Originality/value -In our research we have narrow down the use of electronic payment into specific context that is only for online shopping, which is not being studied in this way in Pakistan.