@techreport{17cb2c14fd844ee081871a60fb2e81f8,
title = "Factors affecting e-payment adoption in Nigeria",
abstract = "For e-commerce to be successful, an efficient e-payment system is the key. The use of formal payment systems also enhances the ability to execute and manage monetary policies, which is essential for a country{\textquoteright}s financial sector. Although Nigeria is a regional leader, the usage of e-Payments is still very low despite its many benefits and also attempts by the financial authorities. This therefore calls for an urgent need to investigate the factors that affect individual{\textquoteright}s intention to adopt e-payment in Nigeria so that steps can be fashioned out to improve the situation. A survey was conducted to get individual perceptions of e-payments through the use of questionnaires designed based on the theoretical model developed. The results showed that awareness, knowledge of benefits, ease of use, reliability, trust and security, acceptability, accessibility and social influence are the main factors that influence individuals{\textquoteright} intention to adopt e-payments.",
keywords = "electronic commerce, electronic payments, adoption, technology acceptance model, unified theory, acceptance and use of technology",
author = "Roya Gholami and Augustine Ogun",
year = "2009",
month = mar,
language = "English",
isbn = "978-1-85449-747-5",
series = "Aston Business School research papers",
publisher = "Aston University",
number = "RP0907",
type = "WorkingPaper",
institution = "Aston University",
}