Factors in National Electronic Payment Adoption in the View of SMEs Business Sector and their Customers
Keywords:
Thai national electronic-payment, Cashless Society, Trust, security of the payment system, SMEsAbstract
The government's promotion of cashless society is a project applying electronic payments for trading of goods and services. The purpose of this study is to explore factors relating to the use of the national electronic payment system between users from entrepreneur group and customer group whether there is any significant difference. Data collection was online self-administered questionnaires both users group in the number of 304 samples by purposive sampling. Both groups gave precedence to usefulness of the system. The results of hypothesis testing show that factors affecting satisfaction level from entrepreneur group are perceived ease of use, social norm, perceived trust and perceived security while in the customer group, the significant factors are perceived usefulness of the system and perceived trust only. Namely, there is only perceived trust factors significantly affecting satisfaction of both groups. Therefore, the comprehension of such factors entail the development and improvement of national e-payment system to match with requirements from both groups
References
ชลดา พรหมสุข, เอกลักษณ์ ฉิมจารย์,และ สิตาภา เกื้อคลัง. (2558). ปัจจัยที่ส่งผลต่อความพึงพอใจในการใช้ Cloud Computing ของนักศึกษาสาขาวิชาวิทยาการคอมพิวเตอร์ มหาวิทยาลัยเทคโนโลยีราชมงคลอีสาน ศูนย์กลาง. มหาวิทยาลัยเทคโนโลยีราชมงคลอีสาน นครราชสีมา
ธนาคารแห่งประเทศไทย. (2563) Value of Payment Transactions processed through Payment Systems and Channels. สืบค้นเมื่อ 1 กรกฎาคม2563, จาก : https://www.bot.or.th/App/BTWS_STAT/statistics/BOTWEBSTAT.aspx?reportID=682&language=ENG
นวรัตน์ มีนุชนารถ. (2555) การยอมรับระบบจัดการเอกสาร อิเล็กทรอนิกส์ของการเคหะแห่งชาติ. คณะบริหารธุรกิจ มหาวิทยาลัยเทคโนโลยีราชมงคลธัญบุรี. ปทุมธานี
พัชรินทร์ พุ่มลำเจียก. (2556) อิทธิพลเชิงสาเหตุที่มีผลต่อพฤติกรรมของผู้ใช้หนังสืออิเล็กทรอนิกส์ (eBook) ในกรุงเทพมหานคร (Doctoral dissertation, มหาวิทยาลัยเทคโนโลยีราชมงคลธัญบุรี. คณะ บริหารธุรกิจ. สาขาวิชาการตลาด). ปทุมธานี
สถาบันส่งเสริมวิสาหกิจขนาดกลางและขนาดย่อม (สสว.). (2562) รายงานสถานการณ์ SME ปี 2562. สืบค้นเมื่อ 2 กรกฎาคม2563, จาก : https://www.sme.go.th/upload/mod_download/download-20190909103733.pdf
Adeyinka, T. (2014). Determinants of E-Payment Systems Success. Retrieved April 24, 2020 from https:// WWW.RESEARCHGATE.NET/PUBLICATION/312910573_DETERMINANTS_OF_E-PAyment_systems_success_A_ user's_satisfaction_perspective
Changchit, C., & Chuchuen, C. (2018). Cloud Computing: An Examination of Factors Impacting Users’ Adoption. Retrieved July 13, 2020 from HTTPS://WWW.TANDFONLINE.COM/DOI/ABS/10.1080/088744 17.2016.1180651
Chin, L.P., & Ahmad, Z. (2015). Consumer Intention to Use a Single Platform E-Payment System: A Study among Malaysian Internet and Mobile Banking Users. Retrieved July 2, 2020 from https://www. semanticscholar.org/paper/Consumers-Intention-to-Use-a-Single- Platform-A-and-Chin-Ahmad/ 162DCEF49B36ADA7762106DECE28CDE20CD60B4A
Davis Jr, F. D. (1986). A technology acceptance model for empirically testing new end-user information systems: Theory and results. (Doctoral dissertation, Sloan School of Management), Massachusetts Institute of Technology.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. Retrieved July 5, 2020 from https://www.semanticscholar.org/paper/Perceived- USEFULNESS%2C-PERCEIVED-EASE-OF-USE%2C-AND-OF-DAVIS/EA349162D97873D4493502E205968FFC CB23FCF2
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: a comparison of two theoretical models. Retrieved July 11, 2020 from https://www.researchgate.
net/publiCATION/227446117_User_Acceptance_of_Computer_Technology_A_Comparison_of_ Two_Theoretical_Models
Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. Retrieved July 20, 2020 from HTTPS://WWW.RESEARCHGATE.NET/PUBLICATION/233897090_BE lief_attitude_intention_and_behaviour_An_introduction_to_theory_and_research
Junadi, J & Sfenrianto, S. (2015). A Model of Factors Influencing Consumer's Intention To Use E-payment System in Indonesia. Retrieved July 8, 2020 from https://www.sciencedirect.com/science/article/ PII/S1877050915020864
Kelly, E.A. & Palaniappan, S. (2019). Survey on Customer Satisfaction, Adoption, Perception, Behavior and Security on Mobile Banking. Retrieved July 5, 2020 from https://www.semanticscholar.org/paper/ SURVEY-ON-CUSTOMER-SATISFACTION%2C-ADOPTION%2C-AND-ON-KELLY-PALaniappan/116dc403fc12b 191279E2945A93CA8D9466739C5
Lai, P.C., (2018). Single Platform E-Payment System Consumers’ Intention to Use. Retrieved July 13, 2020 from HTTPS://WWW.RESEARCHGATE.NET/PUBLICATION/326477322_SINGLE_PLATFORM_E-PAYMENT_ SYSTEM_CONSUMERS'_INTENTION_TO_USE
Liu, G.S. & Tai, P.T. (2016). A Study of Factors Affecting the Intention to Use Mobile Payment Services in Vietnam Gia-Shie. Retrieved July 11, 2020 from https://www.semanticscholar.org/paper/A-Study- of-Factors-Affecting-the-Intention-to-Use-Liu-TAI/3E78A1DAA749CBC10426FA3AFC3F99C49CF82A4F
Malhotra, Y., & Galletta, D. F. (1999). Extending the technology acceptance model to account for social influence: theoretical bases and empirical validation. Paper presented at the Proceedings of the 32ND Annual Hawaii International Conference on Systems Sciences. Retrieved July 11, 2020 from HTTPS://IEEEXPLORE.IEEE.ORG/DOCUMENT/772658
Moorman, C., Zaltman, G., & Deshpande, R. (1992). Relationships between providers and users of market research: The dynamics of trust within and between organizations. Retrieved July 11, 2020 from HTTPS://WWW.RESEARCHGATE.NET/PUBLICATION/233894712_RELATIONSHIPs_Between_Providers_and_ Users_of_Market_Research_The_Dynamics_of_Trust_Within_and_Between_Organizations
Morgan, R & Hunt, S. (1994). The Commitment-Trust Theory of Relationship Marketing. the Journal of Marketing. Retrieved July 14, 2020 from HTTPS://WWW.RESEARCHGATE.NET/PUBLICATION/233894851_ The_Commitment-Trust_Theory_of_Relationship_Marketing
Suwunniponth, W. (2016). Customers’ Intention to Use Electronic Payment System for Purchasing. Retrieved July 14, 2020 from HTTPS://WWW.SEMANTICSCHOLAR.ORG/PAPER/CUSTOMERS%E2%80%99- INTENTION-TO-USE-ELECTRONIC-PAYMENT-FOR-WANIDASUWUNNIPONTH/26901F4315887615EC78B73656 E332EC7413B57C
Taylor, S., & Todd, P. (1995). Assessing IT usage: The role of prior experience. Retrieved July 16, 2020 from https://www.semanticscholar.org/paper/Assessing-IT-usage%3A-the-role-of-prior-experience- Taylor-TODD/8FAF463D25F385BF174A7EA4AFF6135ED8235515
Tiwari, V., & Singh, S. K. (2014). Moderation Effect of Job Involvement on the Relationship Between Oganizational Commitment and Job Satisfaction. SAGE Open, 4(2), 2158244014533554. DOI:10.1177/2158244014533554
Torabi, T., Ghorbani, M., Bagheri, M., & Tarighi, S. (2015). Methods for financing football clubs in the developed countries and a comparative investigation against developing countries. Retrieved July 18, 2020 from https://scholar.google.com/citations?user=Lw7mw1wAAAAJ&hl=en
Ute, Meuthia. (2015). Building Trust: A Solution to Increase Users Satisfaction on E-Money Adoption. Retrieved July 18, 2020 from HTTPS://WWW.RESEARCHGATE.NET/PUBLICATION/274739554_BUILDING_ Trust_A_Solution_to_Increase_Users_Satisfaction_on_E-Money_Adoption
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. Retrieved July 13, 2020 from https://www.researchgate.net/ PUBLICATION/220259897_USER_ACCEPTANCE_OF_INFORMATION_Technology_Toward_a_Unified_View
Downloads
Published
How to Cite
Issue
Section
License
The Office of the NBTC holds the copyright of articles appearing in the journal. The Office of the NBTC allows the public or individuals to distribute, copy, or republish the work under a Creative Commons license (CC), with attribution (BY), No Derivatives (ND) and NonCommercial (NC); unless written permission is received from the Office of the NBTC.
Text, tables, and figures that appear in articles accepted for publication in this journal are personal opinion and responsibility of the author, and not binding on the NBTC and the Office of the NBTC. In case of errors, each author is solely responsible for their own article, and not concerning the NBTC and the NBTC Office in any way.
