{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,7,27]],"date-time":"2026-07-27T17:08:33Z","timestamp":1785172113230,"version":"3.55.0"},"reference-count":45,"publisher":"Emerald","issue":"3","license":[{"start":{"date-parts":[[2010,4,20]],"date-time":"2010-04-20T00:00:00Z","timestamp":1271721600000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2010,4,20]]},"abstract":"<jats:sec><jats:title content-type=\"abstract-heading\">Purpose<\/jats:title><jats:p>The emergence of online transactions, enabled through internet media, has led to an increase in the availability of electronic payment (e\u2010payment) systems. This research aims to investigate, through theoretical constructs (technology acceptance model, theory of reasoned action) and an empirical analysis, the critical factors that may ensure consumer adoption of these facilities.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-heading\">Design\/methodology\/approach<\/jats:title><jats:p>This research study mainly uses the deductive approach to consider secondary sources and primary data, where hypotheses have been developed in order to demonstrate the findings. An initial literature review revealed six issues that are considered critical for e\u2010payment considerations. An anonymous and self\u2010administered survey based on the research model was developed and e\u2010mailed to the respondents. A total of 155 questionnaires were coded and analysed using SPSS to analyse the hypotheses.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-heading\">Findings<\/jats:title><jats:p>The research proved that the perceived importance of the critical factors was correlated through security, trust, perceived advantage, assurance seals, perceived risk and usability. The results demonstrate that three of the critical factors were necessary (security, advantage, web assurance seals) and three were relatively sufficient (perceived risk, trust and usability) through customer intentions to adopt an e\u2010payment system.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-heading\">Originality\/value<\/jats:title><jats:p>It is believed that the findings represent an important contribution to the further adoption of e\u2010payment facilities and indeed the design of general e\u2010commerce systems.<\/jats:p><\/jats:sec>","DOI":"10.1108\/17410391011036085","type":"journal-article","created":{"date-parts":[[2010,4,17]],"date-time":"2010-04-17T07:07:38Z","timestamp":1271488058000},"page":"305-325","source":"Crossref","is-referenced-by-count":71,"title":["Facilitating the adoption of e\u2010payment systems: theoretical constructs and empirical analysis"],"prefix":"10.1108","volume":"23","author":[{"given":"Sevgi","family":"\u00d6zkan","sequence":"first","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Gayani","family":"Bindusara","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Ray","family":"Hackney","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"140","reference":[{"key":"key2022031620254502600_b1","unstructured":"Abrazhevich, D. 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