Acceptance of payment systems from the perspective of merchants

To date, the problem of acceptance of payment systems and technology from the consumer's perspective has been intensively investigated. Dahlberg et al. [1, 2] indicated diminishing need for additional research on the acceptance of payment systems by consumers. On the contrary, evaluation of adoption of payment systems by other participants of the market in the e-commerce ecosystem, in particular merchants, is still missing. This paper attempts to fill the existing gap. The objective of this paper is to propose determinants that merchants use as guidance in accepting or not a payment system. The main factors influencing the acceptance of payment systems by merchants have been defined basing on the commercially available “eXpay” system [8], as well as the TAM and UTAUT models. On this basis, a new model containing intention constructs and moderators significant from the merchants' perspective has been proposed. In the paper, the components of the model and possibilities of its application in further research are discussed.

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Opracowanie rekordu w ramach umowy 509/P-DUN/2018 ze środków MNiSW przeznaczonych na działalność upowszechniającą naukę (2019).