Determinant factors of using e-payment system for obtaining public services: citizens' perspective at time of sudden transforming toward social distance restrictions

This study aimed to investigate the determinant factors of using e-payment for obtaining governmental services: citizens' perspective at time of sudden transforming toward social distance restrictions. In order to achieve the objectives of the study, a self-administered questionnaire was developed for data collection purposes. Conditional sampling was applied and a valid sample of 477 responses was deemed for analysis. Smart PLS was applied to complete data analysis, the proposed model scored R2 coefficient (44.5%), both perceived trust and perceived ease of use were non-significant predictors, meanwhile, perceived security, perceived interest and social norms and were significant predictors for users' intentions. Following gathered findings, the study provided many practical and theoretical implications.