Integrating Trust into Technology Acceptance Model (TAM), the Conceptual Framework for E-Payment Platform Acceptance
Publication Date: 25/11/2021
Author(s): Dickson Ben Uche, Oby Blessing Osuagwu, Samuel Ngozichikanma Nwosu, Udoka Stephen Otika.
Volume/Issue: Volume 4 , Issue 4 (2021)
Abstract:
Innovations acceptance is attracting increasing attention. Researchers are particularly interested in factors that affect the adoption of IS and IT innovations. However, despite numerous advantages of e-payment usage such as convenience, speed, efficiency and reduced cost, the economic ecosystem is skeptical to embrace e-payment systems (Adeyelure, Pretorius & Kalema, 2014). This research develops extended TAM model by integrating the three dimensions of trust (integrity, benevolence a0nd competence) and two key constructs from technology acceptance models (perceived ease of use and perceived usefulness of e-payment) to explain online consumers’ intentions to engage in the business relationship with e-payment. Through this framework, researchers can have a more accurate explanation of the consumer behavior and intention to accept new technology. This framework will be used to examine consumer’s behavioral intention to accept e-payment by researchers.
Keywords:
Trust, Integrity, Benevolence, Ability, TAM Model, Attitude, Intention.
