Purpose

This paper aims to investigate if perceived security, trust and perceived privacy affect both perceived usefulness and perceived ease of use. Also, the study explores if trust, perceived usefulness and perceived ease of use influence consumers’ intentions to use the e-payment system which is supported by testing the moderation effect of gender on the intention to use such systems in the higher education institutes.

Design/methodology/approach

In total, 850 participants from United Arab Emirates (UAE) universities have filled an online questionnaire prepared for these aims. The survey instrument is composed of 22 items. The primary data was used to test the study model, proposed constructs and the study hypotheses using the Smart PLS Software.

Findings

The research confirmed that perceived security, trust and perceived privacy affect both perceived usefulness and perceived ease of use. Also, the study found that trust, perceived usefulness and perceived ease of use have anticipated the significance of consumers’ intention to use e-payment system which is found also moderated by gender. Research outcomes indicated an important contribution towards the acceptance of e-payment systems and the common design of e-commerce systems.

Originality/value

Research outcomes have indicated an important contribution toward the acceptance of e-payment systems and the common design of e-commerce systems. Additionally, this study helped in increasing the reader’s understanding of various aspects of e-commerce, specifically consumers’ trust and privacy protection which consequently allows the online sellers to formulate appropriate strategies and actions imperative to serve the online purchasers and target the internet users.

中文翻译：

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性别对接受电子支付技术的调节作用：对阿联酋消费者的研究

目的

本文旨在调查感知安全、信任和感知隐私是否影响感知有用性和感知易用性。此外，该研究探讨了信任、感知有用性和感知易用性是否会影响消费者使用电子支付系统的意愿，这通过测试性别对高等教育机构使用此类系统的意愿的调节作用得到支持。

设计/方法/方法

共有 850 名来自阿拉伯联合酋长国 (UAE) 大学的参与者填写了为这些目标准备的在线问卷。调查工具由22个项目组成。主要数据用于使用 Smart PLS 软件测试研究模型、提出的结构和研究假设。

发现

研究证实，感知安全、信任和感知隐私会影响感知有用性和感知易用性。此外，该研究发现，信任、感知有用性和感知易用性预测了消费者使用电子支付系统的意愿的重要性，这也受性别影响。研究结果表明对电子支付系统的接受和电子商务系统的通用设计做出了重要贡献。

原创性/价值

研究结果表明对电子支付系统的接受和电子商务系统的通用设计做出了重要贡献。此外，这项研究有助于增加读者对电子商务各个方面的理解，特别是消费者的信任和隐私保护，从而使在线卖家能够制定适当的策略和行动，为在线购买者提供服务并针对互联网用户。