Determinants Influencing E- Payment Adoption Amidst COVID-19: A Conceptual Framework

In recent years, there has been a significant surge in the demand for electronic payments (e-payments), particularly during the COVID-19 pandemic. E-payments have played a crucial role in promoting social distancing and mitigating the spread of the COVID-19 virus. Several studies have examined user goals and intentions in this context. The primary objective of this research is to develop a conceptual model that integrates the Technology Acceptance Model (TAM) with the Health Belief Model (HBM) to explore the factors influencing people's willingness to embrace e-payment methods. Both TAM and HBM serve as foundational frameworks in this study. Consequently, this research contributes to our understanding of how perceived usefulness and ease of use impact the adoption of e-payments. The study introduces a proposed framework yet to undergo empirical testing, emphasizing the need for empirical investigations to validate its suitability. This framework can be a valuable tool for bankers, managers, and practitioners in assessing their clients' inclination toward adopting e-payment services.