The Use of the Technology Acceptance Model to analyse the Cloud-Based Payment Systems: A Comprehensive Review of the Literature

Domingos Mondego, Ergun Gide


Over the past decades, organisations worldwide driven by the growth in e-commerce transactions have been investing in new payment methods in order to gradually align with the current trend of cashless transactions among individuals, businesses and governments. As a result, payments conducted over the internet or cloud-based payment systems (CBPS) have significantly increased. In this sense, the aim of this study is to provide a comprehensive review of studies that used the technology acceptance model (TAM) to analyse the CBPS. The findings of this study found 134 studies conducted between 2013 and 2020, which have applied the TAM. 118 new variables were tested alongside with the 5 basic constructs of TAM. Surveys are the preferred research method of data collection. Users have been the main focus of academics. China was the country with more studies conducted in CBPS using TAM as a research-based model, followed by India, Indonesia, Spain and Malaysia. Trust was the most used construct by academics to investigate the CBPS adoption, followed by perceived risk and perceived compatibility. SEM was the preferred research instrument for analysing the relationship among constructs followed by regression analysis and multi-group analysis.


Cloud-based payment systems, CBPS, Technology Acceptance Model, TAM, Influencing factors

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