Perceived security, subjective norm, self-efficacy, intention, and actual usage towards e-payment among UPM students
The purpose of this study is to examine the factors contributing to the intention to adopt e-payment among students of Universiti Putra Malaysia (UPM). This research focuses on perceived security, subjective norm and self-efficacy as the independent variables developed based on Theory of Planned B...
| Main Authors: | , |
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| Format: | Article |
| Published: |
Zes Rokman Resources
2019
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| Online Access: | http://psasir.upm.edu.my/id/eprint/81660/ |
| _version_ | 1848859156697579520 |
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| author | Md Jusoh, Zuroni Teng, Yee Jing |
| author_facet | Md Jusoh, Zuroni Teng, Yee Jing |
| author_sort | Md Jusoh, Zuroni |
| building | UPM Institutional Repository |
| collection | Online Access |
| description | The purpose of this study is to examine the factors contributing to the intention to adopt e-payment among students of Universiti
Putra Malaysia (UPM). This research focuses on perceived security, subjective norm and self-efficacy as the independent
variables developed based on Theory of Planned Behavior (TPB). The relationships between variables with the intention to
adopt e-payment are then explored in this study. Next, the correlation between intention to adopt e-payment and the actual usage of e-payment is also examined. In addition, the gender difference in the intention to adopt e-payment among UPM students is
determined in this research. A total of 200 UPM students participated in this study which they are drawn by using systematic
sampling. The data are collected through a set of self-administered questionnaire. The findings demonstrate that UPM students
have moderate level of perceived security towards e-payment system. However, the subjective norm and self-efficacy of UPM
students regarding e-payment are of high level. Meanwhile, UPM students have a high level of intention to adopt e-payment but
only moderate level for the actual usage of e-payment. This study further finds out that there is no gender difference in the
intention to adopt e-payment among UPM students. Lastly, the findings of this study conclude that perceived security (r=0.620,
p=0.000), subjective norm (r=0.0.269, p=0.000) and self-efficacy (r=0.264, p=0.000) are significantly related to intention to
adopt e-payment among UPM students. Meanwhile, the intention to adopt e-payment has strong positive effect on the actual
usage of e-payment (r=0.708, p=0.000). Therefore, it will help the e-payment service providers, industry players, policy makers
and consumers in determining the key predictors of intention to adopt e-payment. Future researches are recommended to also
study about the adoption on business side and take into account of other factors for more comprehensive understanding on
intention to adopt e-payment among consumers. |
| first_indexed | 2025-11-15T12:24:52Z |
| format | Article |
| id | upm-81660 |
| institution | Universiti Putra Malaysia |
| institution_category | Local University |
| last_indexed | 2025-11-15T12:24:52Z |
| publishDate | 2019 |
| publisher | Zes Rokman Resources |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | upm-816602023-02-07T01:57:09Z http://psasir.upm.edu.my/id/eprint/81660/ Perceived security, subjective norm, self-efficacy, intention, and actual usage towards e-payment among UPM students Md Jusoh, Zuroni Teng, Yee Jing The purpose of this study is to examine the factors contributing to the intention to adopt e-payment among students of Universiti Putra Malaysia (UPM). This research focuses on perceived security, subjective norm and self-efficacy as the independent variables developed based on Theory of Planned Behavior (TPB). The relationships between variables with the intention to adopt e-payment are then explored in this study. Next, the correlation between intention to adopt e-payment and the actual usage of e-payment is also examined. In addition, the gender difference in the intention to adopt e-payment among UPM students is determined in this research. A total of 200 UPM students participated in this study which they are drawn by using systematic sampling. The data are collected through a set of self-administered questionnaire. The findings demonstrate that UPM students have moderate level of perceived security towards e-payment system. However, the subjective norm and self-efficacy of UPM students regarding e-payment are of high level. Meanwhile, UPM students have a high level of intention to adopt e-payment but only moderate level for the actual usage of e-payment. This study further finds out that there is no gender difference in the intention to adopt e-payment among UPM students. Lastly, the findings of this study conclude that perceived security (r=0.620, p=0.000), subjective norm (r=0.0.269, p=0.000) and self-efficacy (r=0.264, p=0.000) are significantly related to intention to adopt e-payment among UPM students. Meanwhile, the intention to adopt e-payment has strong positive effect on the actual usage of e-payment (r=0.708, p=0.000). Therefore, it will help the e-payment service providers, industry players, policy makers and consumers in determining the key predictors of intention to adopt e-payment. Future researches are recommended to also study about the adoption on business side and take into account of other factors for more comprehensive understanding on intention to adopt e-payment among consumers. Zes Rokman Resources 2019-02 Article PeerReviewed Md Jusoh, Zuroni and Teng, Yee Jing (2019) Perceived security, subjective norm, self-efficacy, intention, and actual usage towards e-payment among UPM students. Journal of Education and Social Sciences, 12 (2). pp. 8-22. ISSN 2289-9855 https://www.jesoc.com/issue/volume-12-february-2019-issue-2/ |
| spellingShingle | Md Jusoh, Zuroni Teng, Yee Jing Perceived security, subjective norm, self-efficacy, intention, and actual usage towards e-payment among UPM students |
| title | Perceived security, subjective norm, self-efficacy, intention, and actual usage towards e-payment among UPM students |
| title_full | Perceived security, subjective norm, self-efficacy, intention, and actual usage towards e-payment among UPM students |
| title_fullStr | Perceived security, subjective norm, self-efficacy, intention, and actual usage towards e-payment among UPM students |
| title_full_unstemmed | Perceived security, subjective norm, self-efficacy, intention, and actual usage towards e-payment among UPM students |
| title_short | Perceived security, subjective norm, self-efficacy, intention, and actual usage towards e-payment among UPM students |
| title_sort | perceived security, subjective norm, self-efficacy, intention, and actual usage towards e-payment among upm students |
| url | http://psasir.upm.edu.my/id/eprint/81660/ http://psasir.upm.edu.my/id/eprint/81660/ |