Attitudes and Behaviors of Egyptians Towards E-Payment Services

Abstract

Because of the increasing prevalence of e-payment services across the globe, it is vital to understand what affects how and to what extent people utilize them. A survey was distributed to students and staff at Ain Shams University in Cairo, Egypt. Theoretically, the TAM model, TRA model, and social norms play a role in technology adoption. Most of the survey results are found to be consistent with those of western societies. Specifically, six constructs relating to adoption and four demographic backgrounds were tested. Usage was measured by three questions. A bivariate analysis indicates all constructs, i.e., incentive, perceived usefulness, perceived ease of use, social influence, perceived risk, and perceived trust, are significant. Regarding demographic variables, it is also found that age, working status, education, and gender relate to e-payment usage. However, gender and perceived usefulness are most important from the multivariate analysis. Since the study was conducted in a university environment and in English, a larger, more diverse sample is recommended for further research in Egypt.