Authors-Shivali Soni, Professor Trupti Dave
Abstract- This study presents a theoretical framework for understanding the factors influencing the purchase intention and actual usage in e-retailing. The model integrates key constructs from the Technology Acceptance Model (TAM) and behavioral intention theories, proposing that perceived usefulness and perceived ease of use significantly impact users’ attitude towards the payment system. This attitude then influences their purchase intention. The framework also incorporates perceived risk and trust as crucial determinants, with perceived risk negatively affecting purchase intention and trust having a positive effect. Ultimately, purchase intention is posited to drive the actual usage in e-retailing. This comprehensive framework provides valuable insights into the psychological and perceptual factors in e-retailing, offering a robust basis for further empirical research and practical application in enhancing user acceptance of new payment systems. By examining these interrelationships, the framework provides a comprehensive lens through which to analyze how these psychological and perceptual variables impact consumer decision-making and technology adoption in the e-retail.
