Research Article Open Access
The Perception of E-Payment Systems Compared to Cash on
Delivery in Kingdom of Saudi Arabia (KSA): A Model
Following the promising growth of e-payment systems in KSA, this study aims to
examine the factors affecting the e-payment perception, specifically benefits, selfefficacy, Islamic Sharia Congruence and perceived e-shopping value.
The general originality of this model is that it does not focus on e-payment use as
an innovation, since it does not use the classical models of the adoption of
innovation. Indeed, the results show that other variables than those of TAM or
UTAT can explain the attitudes and perceptions of the e-payment compared to
cash on delivery. Mainly the new integrated variables are the perceived value of
e-shopping and the congruence with Islamic Sharia.
A questionnaire were distributed via an online survey. A structural model is tested
and most of the hypothesized paths are accepted. Managerial implications are
deducted from the results and future research avenues are proposed Karim Garrouch
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