Predictors of Users' Satisfaction with E-payment System: An Empirical Evidence from Balochistan

Abstract

This study suggests a research model to explain how the independent variables relate to one another(perceived security, perceived speed of e-payment, perceived ease of payment, convenience, anonymity, traceability) and dependent variable (satisfaction with e-payment) to see if the academic and nonacademic employees' satisfaction level is increased or decreased with the use of electronic payment system. To find out the links among the aforementioned variables, the present study disseminated questionnaire among 350 employees including the teaching and non-teaching staff of four universities i.e. University of Balochistan, BUITEMS, University of Loralai, and University of Turbat. In the present study, convenience sampling was employed.. In the current study, 219 responses were recorded using a convenience sampling method for data collection. The descriptive data analysis was done using SPSS. Partial least squares structural equation modeling (PLS-SEM) was utilized to analyze the hypothesized model and found full support for all the hypotheses of this study. The outcome of the study reveals that the employees get satisfied when they get their salaries and other transactions through a proper E-Payment system. The employees can use these services while travelling or at home or sitting at their offices. Therefore, it really sounds beneficial to use e-payment system in the modern era. This study also checked that what else e-payment value-added services are desired by the employees. Based on such contribution, this study focused on exploring the users' satisfaction through e-payment system. The work presents future directions for research as well as theoretical and practical consequences.