Electronic payment acceptance model: A study on United Arab Emirates consumers

Maha Alkhaffaf, Monira Mofleh, Tarek Kandil, Hesham Almomani, Dmaithan Almajali*, Haya Almajali

*Corresponding author for this work

Research output: Contribution to journalArticlepeer-review

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This paper aims to investigate if trust, perceived usefulness, and perceived ease of use affect the intention to use e-payment. Also, the study explores if attitudes towards the use of e-payment influence consumer's intentions to use the e-payment system which is supported by testing the moderation effect of Self-Efficacy, and Computer Anxiety on the attitude to use such systems in higher education institutes. The study found that there are a variety of effects of the Electronic Payment Acceptance Model in the United Arab Emirates that pertain to sociological, legal, and economic aspects. The United Arab Emirates can benefit from a more robust and inclusive digital payment ecosystem by comprehending and implementing the lessons gained from such research. Among the lessons learned from this study is that using electronic payment leads to many benefits, it is not possible to benefit from all these benefits if the acceptance rate of technology, especially electronic payment, is low. For this reason, this research came to provide solutions to the possi-bility of increasing the acceptance of technology among individuals and organizations through a complete model and studying the impact of its factors and the factors that moderate the relationship in it.

Original languageEnglish
Pages (from-to)881-892
Number of pages12
JournalInternational Journal of Data and Network Science
Issue number2
Early online date16 Dec 2023
Publication statusPublished - 2024


  • Computer anxiety
  • E-payment
  • Self-efficacy
  • Technology Acceptance Model
  • UAE

ASJC Scopus subject areas

  • Software
  • Information Systems
  • Communication
  • Computer Science Applications
  • Computer Networks and Communications
  • Artificial Intelligence


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