Electronic Payment Use and Legal Protection

This study examines why consumers accept and continue to use e-payment for online purchase, specifically, the relationship between their perceived benefits, legal protection, risk avoidance, and satisfaction with prior experiences. The analytical results presented in this study indicate that beliefs (benefits, legal protection and risk allocation) differentially affect e-payment use behavior. Notably, consumer beliefs and confirmation affect satisfaction with e-payment use and continuance intention. Finally the practical and theoretical implications of this study are discussed.

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