Analyzing and Evaluating Usability of Electronic Payment Systems (EPS) through End-User Acceptance Testing

Abstract

The proposed research in this paper intends to investigate and evaluate the perceptions of end-users regarding the use of the EPS and testing their acceptance. Besides, testing the effectiveness of the TAM model as a theoretical basis for understanding users' perspectives. The research followed the descriptive analytical method through the electronic survey. The sample consisted of (282) students from several Jordanian universities working on the EPS. This research also aims to investigate and evaluate the relationship between students' intentions in the direction of using EPS and some variables such as "perceived ease of use, perceived benefit, behavioral intentions, and the actual use of the system". The research findings show that approximately all the participants in this study had a positive agreement that the overall relationship between "EPS acceptance and usability" and "TAM model factors" is a positive relationship. Moreover, the participants' responses were consistent that there is no relationship between "user gender", and "level of educational" and between "perceived ease of use", and the "perceived benefit". Additionally, the results show that the relationship between the "perceived ease of use" and "perceived benefit" and the "actual use" of the EPS is a positive relationship. Furthermore, the results show that the relationship between the "perceived ease of use" and "perceived benefit" and the "behavioral intentions" of the EPS is a positive relationship. Finally, the result shows that the relationship between "perceived ease of use" and "perceived benefit" of EPS is a positive relationship.