Decision Factors for the Adoption of E-finance and Other E-commerce Activities

The development of e-commerce relies upon consumer usage intentions. In order to pursue better measures for predicting and explaining business to customer (B2C) e-finance and some other major e-commerce adoptions for consumers, a comparison analysis across three different online systems (online shopping, online banking and online payment) was conducted to advance the understanding of the adoption factors and their linkage to consumer behavior. Results of this empirical study showed that the relationships between perceived usefulness, perceived ease of use, and intention of use were positive and significant towards all three online systems, while perceived risk had a negative impact on the adoption of online shopping and online payment only.

The development of e-commerce relies upon consumer usage intentions.