Journal of International Technology and Information Management

Document Type



Internet technology has influenced banking systems because of its capability to enhance the performance of financial operations. Several factors influence the adoption of new technology within the financial industry. Namely the customers’ perception of benefit, quality, Ease of Use, Security, Self-Efficacy, and Trust. However, various cultures and geopolitical issues influence technology adoption and are therefore worth further study. This paper focuses on the factors that influence the behaviors of Saudi Arabians and their adoption of e-payment systems. The paper shows the fundamental discoveries of an investigation examining the dispersion and the adoption of e-payment technology in Saudi Arabia. It reports new research that distinguishes and investigates the key issues that impact the population in Saudi Arabia regarding the use of electronic payment. Results show that employment status and self-efficacy are the variables that best explain the use of e-payment systems.