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Demographic Influences on E-Payment Services

Demographic Influences on E-Payment Services
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Author(s): Winfred Yaokumah (Department of Information Technology, Pentecost University College, Accra, Ghana), Peace Kumah (Ghana Education Service, Accra, Ghana)and Eric Saviour Aryee Okai (Department of Information Technology, Pentecost University College, Accra, Ghana)
Copyright: 2017
Volume: 13
Issue: 1
Pages: 22
Source title: International Journal of E-Business Research (IJEBR)
Editor(s)-in-Chief: Jeffrey Hsu (Fairleigh Dickinson University, USA)
DOI: 10.4018/IJEBR.2017010103

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Abstract

This study investigated customers' preferences of payment systems and the influence of demography on the attitude of customers towards e-payment services. Survey responses were received from 558 bank customers. The t-test and the analysis of variance were employed to examine the differences in perception of security, ICT literacy, customer satisfaction, and the use of e-payment services based on customers' age, gender, and the level of education. The findings revealed no significant differences between the male and female customers in the use of e-payment services. However, the male customers had higher ICT skills, yet perceived e-payment services less secured. Moreover, there were no significant differences in satisfaction and e-payment use, though, customers with higher level of education felt less secured using the services. Also, whereas the older customers were more satisfied with e-payment services, the younger customers had more ICT skills and use the services much more. These findings are necessary for formulating strategies for marketing e-payment services.

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