Online Payment Gateways Used to Facilitate E-Commerce Transactions and Improve Risk Management

As online transactions continue to increase and become a significant part of the global economy, the ability to accept payments online becomes more important for businesses. This paper evaluates the literature and provides current information for IS researchers and instructors focusing on electronic commerce. In this paper, we explore the components of e-credit providers (conventional, person-to-person, and third-party) and explain how each system processes a single transaction. We then analyze several market leaders in each segment and summarize the strengths and weaknesses of each company. We provide guidelines for selecting an e-credit provider and highlight the options that apply best to online businesses. Finally, we outline potential areas of future research and provide a simple tutorial on creating a business account with PayPal website Payments Standard as an example of an online payment provider

The Impacts of Information Privacy, Monetary Reward, and Buyers’ Protection Excess on Consumers’ Utility Using E-payment Gateways: A Conjoint Analysis

This paper reports our findings on the impacts of information privacy, financial reward, and buyers’ protection excess on consumers’ utility using E-payment Gateways. We invited users of the G2C E-government Portal of Hong Kong to participate in an online experiment and collected data from 1,795 subjects. From our conjoint analysis, we find that monetary reward has the most significant impact on consumers’ utility among the six design attributes of E-payment Gateways investigated in this study, i.e. monetary reward, online transfer of information, acceptability, buyers’ protection excess, anonymity, and physical control. We also observe that there is a gender impact on the relative importance of these attributes

The impact of social media marketing on working adults’ purchase intention via e-commerce after Covid-19 pandemic

Technological advancement has been vulnerable in complimenting how consumer conduct their buying behavior. Social media, has fast been becoming a popular platform for dealers to reach customers when promoting and introducing products o gain more business opportunities and profits. Social Media continues to evolve in facilitating business and service growth by incorporating improved features to ease online interactions. This research aims to determine the impact of social media marketing on the factors influencing online purchasing intention via e-commerce among working adults in Malaysia after the Covid-19 pandemic. The pandemic has made online purchasing an excellent choice for conducting business transactions, mainly for safety and fear of getting into close contact with persons infected by the deadly virus. Hence, it is necessary to explore the insights on consumer buying intention from the perspective of scientific research in the business discipline that has become the objective of this study. The findings have successfully proven that the independent variables, i.e., the perceived Customer Trust (CT), perceived Product Usefulness (PU), perceived Service Quality (SQ), and perceived Social Media Marketing (SMM), do have significantly influenced the consumers purchasing intention after Covid-19 pandemic. The impact of social media marketing on working adults’ purchase intention via e-commerce after Covid-19 has resulted in a positive future outlook, especially towards business entities. The influence of social media marketing itself towards working adults can help those involved in advertisement and content-creating industries to continuously conduct research with the possibility of taking up their creative skills to a higher level. (Abstract by author

The Impact of E-commerce on the Development of Entrepreneurship in Saudi Arabia

This paper is based on a Ph.D. study investigating the critical challenges facing e-commerce adoption by entrepreneurs in Saudi Arabia, identifying the major driving factors, barriers, motivations, perceived advantages, potential problems and some practical solutions as well as future expectations from entrepreneurs’ perspectives. From the study findings, a set of practical recommendations were derived for the government, entrepreneurs and investors in Saudi Arabia to consider, to promote ecommerce entrepreneurship in the county. The research was undertaken using a qualitative approach. Data collection techniques involved in-depth, semi-structured interviews, with (1) e-commerce entrepreneurs, and (2) government authorities, educational initiatives and private support institutions. Data collected was thematically analyzed. The findings led to the identification of five significant factors that were found to influence e-commerce related entrepreneurial activities in Saudi Arabia, leading to both “necessity entrepreneurship” and “opportunity entrepreneurship”: 1) government and institutional funding and financing, 2) government and institutional education and training, 3) government policies and legislation, 4) infrastructure and 5) gender and the cultural environment

An Investigation of the Factors Affecting Consumers’ Adoption of E-commerce: An Empirical Study of Saudi Arabia

This study identified a gap in the adoption of electronic (e)-commerce in Saudi Arabia in particular and developing countries in general and hopefully, provides some useful insight regarding e-commerce in Saudi Arabia. This study is limited to a small nation or group which makes generalization not essential (Bryman 2008,p.391). But at the same time, it provides a good base for further work that can be based on the findings of this study. Businesses across the world are launching e-commerce to increase sales by reducing costs, and extending their activities to serve their clients anywhere in the world. The literature, however, shows that in many developing countries e-commerce projects have failed due to a lack of consumers' readiness to adopt it whereas consumers in the developed countries have already incorporated e-commerce into their daily lives. In order for e-commerce to be successful in developing countries, consumers need to accept and adopt this service. This gap is addressed by this study so that developing countries come to benefit from e-commerce and avoid possible failures. The study presents the key factors (enablers and barriers) that affect consumers’ adoption of e-commerce. It aims to understand consumers’ perspectives, move theoretically to obtain suppliers’ comments on consumers’ viewpoints, gather any new aspects mentioned by them and finally to combine the two perspectives together to arrive at the final findings. The researcher investigated a number of research methodologies to find the one appropriate for this study. As a result, a qualitative research approach was adopted, which was used to understand and explain the phenomenon under investigation. Grounded theory methodology (GT) was used since it uses theoretical sampling that helped to achieve the study’s goals by moving theoretically from the first empirical study to the second. The study used various techniques to collect evidence such as semi-structure interviews, observations and official documents. The two empirical studies of this research offered a good understanding and further insights into e-commerce adoption among consumers. It reveals a roadmap for suppliers and governments that enable them to adopt e-commerce among consumers in developing countries. The findings of this study are divided into the following dimensions: cultural, telecommunication infrastructure, technical, suppliers’ responsibilities, financial, awareness, legal, delivery, tangible and intangible end-user characteristics, security, geographical and government’s responsibilities dimensions. Government’s responsibilities have been found to be the core category that affects most of the factors that are germane to this study. These factors can help decision makers understand the issues that are involved and effectively address them. The final paradigm model presented in chapter 8 illustrates the phenomenon, its causes, conditions, specifications and the required strategies that help to increase e-commerce adoption among consumers

FAKTOR – FAKTOR YANG MEMPENGARUHI PAYMENT GATEWAY UNTUK PELANGGAN PT MORA TELEMATIKA INDONESIA (MORATELINDO)

This study aims to analyze the direct or indirect effect of HR and Infrastructure capabilities on the role of Payment Gateway, the influence of Risk Management in encouraging or strengthening Payment Gateway on Moratelindo Performance and all these variables on Moratelindo Company Performance. The research sample is 100 respondents who are the level managers of PT. Indonesian Telematics Mora. The sampling technique is purposive sampling. Collecting data using a questionnaire. The data analysis technique used Structural Equation Modeling (SEM) analysis which was processed with SmartPLS software. The results of the study prove that the ability of human resources and infrastructure has a significant effect on Payment Gateways and Payment Gateways have a significant effect on company performance. Meanwhile, the ability of human resources and infrastructure has a significant effect on the company's performance, but risk management on the Payment Gateway has no effect on the company's performance. The results also show the factors that affect the Payment Gateway by referring to the results of the analysis that has been done so as to improve the company's performance. Including the role of risk management variables that do not affect the relationship between Payment Gateways and company performance. The expected managerial implications are support in terms of increased rewards for outstanding HR, network expansion and procurement of equipment to support the company's overall system, improvement and renewal of the payment system to keep pace with digitalization developments, implement risk management to anticipate problems coming from customers

The role of intermediaries in facilitating e-government diffusion in Saudi Arabia

Recent studies of e-government activity have highlighted adoption and diffusion issues as important subjects for rating e-government success. However in developing countries inadequate resources and limited citizens’ capabilities regarding new e-government have resulted in low diffusion and adoption of e-government services. This paper examines the role of intermediaries, which can be played by a third party; in bridging the gap between e-government implementation and social reality, and looks at the roles a third party can add within the e-government services mechanism. This paper uses a case study approach in order to reflect e-government progress within the context of the Kingdom of Saudi Arabia (KSA) as one developing country. The result of this paper shows that intermediaries play an important role in the diffusion of e-services in relation to improving the availability, accessibility and enhancing privacy and security

Interorganizational Networks : the Issue of Global Sovereignty

One of the most striking phenomena of the past decade has been the internationalisation of service firms (Tersen and Bricout, 1996). Previously considered “un-exportable” (Segal-Horn, 1993), they have proven day after day that they have the necessary characteristics to undertake an international development, and even a globalization of their offering systems (Vandermerwe, 1989 ; Campbell and Verbeke, 1994 ; Gadrey, 1994 ;). Retail banking and financial services are remarkable illustrations of this phenomenon (Michalet, 1985 ; Andreff, 1995). And bank cards in the first place. However, management scholars have been slow in reacting to this challenge. Focused on industry (and surprisingly enough on the automotive industry), the scholars have rather neglected the emerging field of international service firms. This Research gap has motivated our project on the international deployment of services. The field study we have selected is relative to the bank card organizations. This industry illustrates the functioning of service firms as political institutions. A striking example relates to the emergence and development of international standards bodies, specifically in the area of Internet payments. We are faced here with the construction of a transnational regulation. This paper brings twofold a contribution. On one hand, it enriches the interpretation of a very important, peculiar and potentially generic research object, through the lenses of the translation theory. On the other hand, it has key managerial implications regarding « political » strategies with regard to positioning as a regulatory institution. Discussion follows on the consequences of these agencies' activities for business enterprises.