Purpose

This study aims to examine three factors affecting the comparative e-payment perception, namely, perceived e-shopping value, e-payment benefits and Islamic Sharia compliance. It verifies an original model explaining the comparative perception of e-payment as a tool to pay online purchases. The newly integrated variables are the perceived compliance of the e-payment with Islamic Sharia, as a moderator, and the perceived e-shopping value, as a predictor. This investigation also tested the mediating role of e-payment benefits between perceived e-shopping value and e-payment comparative perception.

Design/methodology/approach

A questionnaire was distributed, via an online survey, to professional and personal networks of Master students who have spread the survey link to their social media groups. This procedure resulted in 185 valid observations.

Findings

Results show that the comparative perception of e-payment systems, as opposed to cash on delivery, is explained directly by e-payment benefits and indirectly by e-shopping value. The comparison of the model paths based on the perceived compliance to Islamic Sharia showed that this variable is non-significant as a moderator.

Originality/value

The verified model and paths of this study have not been covered yet, namely, the direct and indirect effects of e-shopping value. Thus, their verification constitutes the main originality of this article. Besides, the verification of the moderating role of compliance to Islamic sharia has not been verified in prior studies about e-payment.

中文翻译：

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解释电子支付的比较看法：电子购物价值的作用、电子支付的好处和伊斯兰合规性

目的

本研究旨在研究影响比较电子支付感知的三个因素，即感知电子购物价值、电子支付收益和伊斯兰教法合规性。它验证了一个原始模型，该模型解释了电子支付作为一种在线购物支付工具的比较看法。新整合的变量是电子支付与伊斯兰教法的感知合规性，作为调节器，感知电子购物价值，作为预测器。本调查还检验了电子支付收益在感知的电子购物价值和电子支付比较感知之间的中介作用。

设计/方法/方法

通过在线调查向已将调查链接传播到其社交媒体组的硕士生的专业和个人网络分发了一份问卷。这个过程产生了 185 个有效的观察结果。

发现

结果表明，与货到付款相比，电子支付系统的比较感知直接由电子支付收益解释，间接由电子购物价值解释。基于对伊斯兰教法的感知遵守的模型路径的比较表明，该变量作为调节因子不显着。

原创性/价值

本研究的验证模型和路径尚未涵盖，即电子购物价值的直接和间接影响。因此，他们的验证构成了本文的主要原创性。此外，关于遵守伊斯兰教法的调节作用的验证尚未在先前关于电子支付的研究中得到验证。