COVID 19 : QUEL IMPACT SUR L’ADOPTION DU PAIEMENT EN LIGNE

COVID 19 : QUEL IMPACT SUR L’ADOPTION DU PAIEMENT EN LIGNE

Blog Article

The context of CORONAVIRUS 2019 epidemic and the policy of social distancing encouraged by the World Health Organization (WHO) have pushed consumers to turn to online shopping.Indeed, to avoid contracting the virus by using cash or by going to crowded places, consumers are starting to favor e-commerce.This craze for e-commerce has led to an acceleration electronic payments usage.In order to understand the reasons for the high use of this type of payment during the pandemic, this study tries to determine the factors that drove the adoption of electronic payments (E-payments) during this period.The study is based on the Technology Acceptance Model (TAM), which examines the intention to adopt e-payments by focusing on the role of important factors in the acceptance of new technologies and particularly Play Mat online payments.

Thus, this paper contributes to the literature by examining the influence of social distancing, perceived risk, perceived security, and trust on behavioral intention to adopt electronic payment in the context of COVID 19 epidemic in Morocco.The data was collected using an online survey administered to 265 individuals.The results revealed that perceived risk, social distancing, perceived security, and trust predicted perceived usefulness, while perceived usefulness in turn had positive effects on behavioral intention to use online payment.This research examined for the first time the influence of a new variable "social distancing", which is considered an important factor in the epidemic context, and showed its positive influence on perceived usefulness of mobile payment.It also revealed that, in this particular context, perceived risk positively influences perceived usefulness, contrary to the results of several previous studies, as the risk studied is related to the risk of contracting a dangerous virus.

This paper also Rolling Machines provides interesting empirical results that allow e-services providers improve their marketing plans by highlighting the main factors that promote the adoption of electronic payments, namely, trust, perceived security, avoidance of physical contact and handling of cash, which are the main sources of contamination by CORONAVIRUS.Nevertheless, it has some limitations, such as studying intention to use instead of actual behavior.This limitation may constitute a new perspective for future research.