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Factors Influencing Reuse Intention Toward Mobile Payment Systems in E-Commerce: The Roles of Perceived Security, Trust, and Perceived Usefulness Among eSewa Users in Kathmandu |
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| รหัสดีโอไอ | |
| Creator | Susraya Bir Singh Tuladha |
| Title | Factors Influencing Reuse Intention Toward Mobile Payment Systems in E-Commerce: The Roles of Perceived Security, Trust, and Perceived Usefulness Among eSewa Users in Kathmandu |
| Publisher | GSBATM-Assumption University Press |
| Publication Year | 2569 |
| Journal Title | International Research E-Journal on Business and Economics |
| Journal Vol. | 9 |
| Journal No. | 2 |
| Page no. | 1-14 |
| Keyword | Mobile payment systems, Reuse intention, Perceived usefulness, Trust, Perceived security, Fintech, E-commerce, Kathmandu |
| URL Website | https://assumptionjournal.au.edu/index.php/aumitjournal |
| Website title | International Research E-Journal on Business and Economics (Creative Technology Management) |
| ISSN | 2773-9406 |
| Abstract | This study examines the factors influencing reuse intention toward mobile payment systems in e-commerce among eSewa users in Kathmandu, Nepal. Grounded in the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB), the study investigates the effects of perceived usefulness, trust, and perceived security on users? attitudes and their subsequent influence on reuse intention toward mobile payment systems. A quantitative descriptive-explanatory research design was employed using a structured five-point Likert-scale questionnaire. Data were collected from 384 valid respondents through convenience sampling among mobile payment users in Kathmandu. Reliability analysis demonstrated acceptable internal consistency, with all Cronbach?s alpha values exceeding the recommended threshold of 0.70. Data analysis was conducted using descriptive statistics, multiple linear regression, and simple linear regression techniques. The findings reveal that perceived usefulness has the strongest positive influence on users? attitudes toward mobile payment systems (? = 0.380, p < .001), followed by trust (? = 0.336, p < .001) and perceived security (? = 0.142, p < .05). In addition, attitude significantly and positively influences reuse intention (? = 0.165, p < .01). However, the explanatory power of the reuse intention model remains relatively low (R? ? 0.027), indicating that additional experiential and contextual factors may influence continued usage behavior. The findings contribute to the existing fintech and mobile payment literature by extending TAM and TPB within the context of continuance intention in an emerging digital economy. The study further highlights the importance of usefulness, trust, and security in shaping users? attitudes toward mobile payment systems. From a practical perspective, mobile payment service providers should prioritize enhancing system usability, transaction efficiency, platform security, and customer trust to improve long-term customer retention and sustained platform usage. |
