Title: Cybersecurity antecedents of trust: toward OPS adoption in Jordan

Authors: Yazan Alshboul; Nareman Al.Hamouri

Addresses: Department of Information Technology, Yarmouk University, P.O. Box 566, 21163, Irbid, Jordan ' Department of Information Technology, Yarmouk University, P.O. Box 566, 21163, Irbid, Jordan

Abstract: Online services such as online banking, particularly, the online payment system (OPS), plays an important role in modern life. In developing countries, there is a kind of resistance to adopting OPSs. Therefore, more focus is needed to understand the behaviour toward OPS, especially in developing countries. This paper integrates the trust model and the theory of planned behaviour and addresses the antecedents of the trust factor in the context of OPSs. Particularly, it focuses on the cybersecurity factors as antecedents to the trust model. We tested our model empirically using data gathered from 200 participants who use eFawateercom system, an online payment system used in Jordan. The results showed that cybersecurity factors like systems security, privacy, and reliability play an essential role in affecting users' trust, which has a crucial impact on the attitude toward OPS adoption. This article concluded with implications for academia and practitioners.

Keywords: online payment system; OPS; cybersecurity factors; trust; privacy; security; reliability.

DOI: 10.1504/IJIDS.2023.129654

International Journal of Information and Decision Sciences, 2023 Vol.15 No.1, pp.73 - 93

Received: 22 Aug 2020
Accepted: 21 Dec 2020
Published online: 20 Mar 2023 *