Trust and Security Impact on the Customers’ Acceptance of E-Payment in Algeria: An Application of the Extended TAM

Abstract

The primary objective of this study is to identify the key elements that are strongly associated with the intention of bank customers in Algeria to use electronic payment services.About 150 questionnaires were handed out among the Algerian bank customers by using clustered sampling in order to perform the statistical analysis for data analysis and findings.The Technology Acceptance Model (TAM) was utilized as the theoretical framework for this study.The findings indicate that there is a substantial relationship between trust in online payment and the intention to adopt digital payment methods among bank customers in Algeria. In contrast, the influence of security on the inclination to embrace electronic payment methods was determined to be negligible.This extensive study enhances our knowledge of the key determinants that significantly influence the inclinations of Algerian bank clientele towards adopting digital payment solutions instead of conventional means. The transition towards digital payments offers various benefits, such as enhanced efficiency, time conservation, and cost-efficiency.