User Adoption And Satisfaction In Digital Payment Systems: Evidence From A Systematic Literature Review
DOI:
https://doi.org/10.69980/83e9gx95Keywords:
Digital Payments, User Satisfaction, PRISMA, Ease of Use, Security, Transaction Speed, Accessibility, Demographics, Technology Acceptance, Systematic Literature ReviewAbstract
Background: Digital payments have revolutionized financial transactions by offering convenience and speed, which are critical in the digital economy. User satisfaction with these services, however, is essential for continued growth and adoption. This review synthesizes existing studies to identify factors affecting satisfaction with digital payment platforms.
Objective: This systematic literature review aims to investigate the key determinants of user satisfaction in digital payment systems (Harraf, A. 2024). By identifying and analyzing various influencing factors, this study seeks to offer insights into enhancing user experience and promoting broader acceptance of digital payment methods.
Methodology: The PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analyses) guidelines were followed to ensure a structured and rigorous review. After initial database searches, inclusion and exclusion criteria were applied to filter studies relevant to digital payment user satisfaction, ultimately selecting studies based on quality and relevance.
Findings: The review identified ease of use, security, transaction speed, cost, and accessibility as primary factors influencing user satisfaction Nawaser, K. (2022).. “Notably, demographics such as age, income, and digital literacy also played significant roles. Security and transaction fees emerged as the top concerns impacting user preferences.
Conclusion: Improving user satisfaction with digital payments requires a focus on enhancing security, transparency in fees, and user-friendly interfaces. The findings underscore the importance of addressing these areas to promote the adoption of digital payment systems, particularly in regions with lower digital literacy.
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