The impact of demographics on user satisfaction in cloud-based payment systems in Australia

Cloud-Based Payment Systems in Australia: How Security Affects Consumer Satisfaction

“…Satisfaction plays a pivotal role in assessing the overall experience of shopping or using a service or product [12]. It is a critical construct influencing long-term consumer responses [12].…”

“…Satisfaction plays a pivotal role in assessing the overall experience of shopping or using a service or product [12]. It is a critical construct influencing long-term consumer responses [12]. User satisfaction encompasses the emotional responses, expectations, and attitudes that individuals have regarding the high-quality service delivered by providers through various interactions [1,14].…”

“…The primary focus of this study was placed on TAM, a widely employed framework for forecasting the acceptance of technology and its determinants [1,12]. TAM comprises four components: attitude towards use, actual system use, perceived ease of use, and perceived usefulness [1,18].…”

“…In this sense, cloud-based payment systems (CBPS) are gaining extensive popularity as they enable the acceptance and processing of payments through the Internet instead of physical devices [1]. CBPS offers customers ubiquitous and diverse payment options, allowing individuals to use any mobile device at any time and location [11,12]. However, despite the advantages of CBPS, Australians use it at a lower adoption rate compared to other countries [13].…”

“…However, despite the advantages of CBPS, Australians use it at a lower adoption rate compared to other countries [13]. This indicates that users are either dissatisfied with existing payment systems or are unaware of the benefits of CBPS [12].…”