The study on the influential factors of electronic payment system adoption

Along with popularity of electronic commerce and online purchasing, electronic payment systems have been developed and expected to the main payment means of e-commerce. But many of electronic payment systems have failed with a short-lived time. From the standpoint of buyers, this paper discusses the influential factors of electronic payment system adoption and classifies these influential factors into six dimensions. Moreover, a numerical case is illustrated for presenting rough set approach (RSA) to quantize the influence degree of these factors on electronic payment system adoption. The results derived from the case reveal that only 20 percent of buyers take electronic payment system as their first choice, security and trust have more significant impact on users' attitude than other influential factors. Finally, the paper concludes with the limitations of the study and several suggestion for future research.