Document Type
Article
Publication Date
2-1-2005
Abstract
With the rapid growth, acceptance and uses of the Internet for financial transactions, understanding the consumer decision process to pay for goods or settle obligations online has become important in the public and private sectors alike. Online payment applications have become a commonly offered alternative to traditional methods (phone, mail, cash), with merchants and government agencies actively encouraging consumers to make the switch. The objective of this study was to understand the factors that explain the consumers decision process to pay online, and also to understand the differences in the rapid adoption of e-Commerce, and, by comparison, slower adoption of e-Government for payment purposes. Fourteen persons were interviewed about their online practices in both e-Commerce and e-Government. The results suggest that users evaluate their intentions to pay online based on a consistent set of decision parameters, and the potential differences in the level of use for government payments appears to be explained primarily by the effect of consumer attitudes towards government. The emergent model will require testing and validation over a broader audience, as the participant sample is limited in number and not representative of a broad demographic profile. This research will contribute to the literature on technology adoption and use of online financial exchanges by the every day consumer.
Keywords
consumer behavior
Rights
© The Author(s). Kelvin Smith Library provides access for non-commercial, personal, or research use only. All other use, including but not limited to commercial or scholarly reproductions, redistribution, publication or transmission, whether by electronic means or otherwise, without prior written permission is strictly prohibited.
Department/Center
Design & Innovation
Recommended Citation
Solaru, Ademola O., "Paying Online: The Effect of Consumer Attitudes on E-Government" (2005). Student Scholarship. 333.
https://commons.case.edu/studentworks/333