Predicting Users' Continuance Intention Toward E-payment System

Abstract

This paper synthesized the technology acceptance model (TAM), to explain and predict the users' intentions to continue using e-payment system. The hypothesized model was validated empirically using a sample data collected from a modified e-payment questionnaire. A simple random sample technique was used to select 250 academic and non academic staff at the University of Ilorin, Nigeria. The results reveal correlation among perceived usefulness and attitude to use, perceived ease of use and perceived usefulness, perceived ease of use and attitude; perceived enjoyment and continuance intention to use, speed and actual use. Furthermore, attitude, satisfaction and actual use were all associated with continuance intention. Moreover, all the nine e-payment predictive factors together made 65% of e-payment continuance intention, and similarly; perceived usefulness, perceived ease of use, enjoyment, speed; perceived benefits, user satisfaction, actual use and attitude are good predictors of e-payment continuance intention.