Journal of International Technology and Information Management

Document Type



The idea of a “digital divide” is a common issue in less developed countries but is also found in developed countries. We surveyed 151 Japanese to examine the effect of digital divide characteristics such as regional variations, age, and gender on the perception and behavior surrounding e-payments.

We find that regional difference affects Japanese perceptions, especially ease of use and trust, but not use. Also, older people are more like to use e-payment in terms of weekly frequency and amount of money spent than younger consumers. Japanese males, in general, have higher average scores in ease of use, importance of incentives, and usage than females. Moreover, males are more likely to purchase electronics, books, groceries, and services using e-payments.