The Effects of Perceived Enjoyment and Perceived Risks on Trust Formation and Intentions to Use Online Payment Systems: New Perspectives from an Arab Country
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Trust is one of the most effective predictors of digital payment acceptance.
“One of the most effective predictors of digital payment acceptance is trust.”
From Consumer Trust and Adoption of Digital Payment Systems in Emerging Markets (2026) · cites this paper as Rouibah et al., 2016
Cites
A Theory of Cognitive Dissonance
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Trust and TAM in Online Shopping: An Integrated Model1
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Lowry, P. B., & Gaskin, J. (2014) · IEEE Transactions on Professional Communication · doi:10.1109/tpc.2014.2312452 · Cited by 1,901 · see citing works
Self-citationConsumer trust in an internet store: a cross-cultural validation
Jarvenpaa, S. L., Tractinsky, N., & Saarinen, L. (2006) · Journal of Computer-Mediated Communication · doi:10.1111/j.1083-6101.1999.tb00337.x · Cited by 1,882 · cited 1× · see citing works
“First, although Kim et al. found that the TPS seal does not play an important role in increasing customer trust, we retained this factor because Jarvenpaa et al. (1999) supported the idea that consumers in different cultures may have different expectations of what makes an online vendor trustworthy.”
Lower bounds on sample size in structural equation modeling
Christopher Westland, J. (2010) · Electronic Commerce Research and Applications · doi:10.1016/j.elerap.2010.07.003 · Cited by 1,846 · see citing works
On the Need to Include National Culture as a Central Issue in E-Commerce Trust Beliefs
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Marriott, H. R., & Williams, M. D. (2018) · Journal of Retailing and Consumer Services · doi:10.1016/j.jretconser.2018.01.017 · Cited by 270 · see citing works
Factors affecting consumers’ mobile payment behavior: A meta-analysis
Liu, Z., Ben, S., & Zhang, R. (2019) · Electronic Commerce Research · doi:10.1007/s10660-019-09349-4 · Cited by 152 · see citing works
Sahi, A. M., Khalid, H., Abbas, A. F., & Khatib, S. F. A. (2021) · Journal of Open Innovation: Technology, Market, and Complexity · doi:10.3390/joitmc7040230 · Cited by 124 · see citing works
Mohd Suki, N., & Mohd Suki, N. (2020) · Journal of Marketing Communications · doi:10.1080/13527266.2019.1569088 · Cited by 22 · see citing works
P., P., Natarajan, T., & Dhalmahapatra, K. (2025) · Digital Policy, Regulation and Governance · doi:10.1108/dprg-08-2024-0178 · Cited by 13 · see citing works
Consumer Trust and Adoption of Digital Payment Systems in Emerging Markets
Emini, A., Budić, H., & Volarević, H. (2026) · Business Systems Research Journal · doi:10.2478/bsrj-2026-0001 · Cited by 1 · see citing works
“Trust is even more critical in settings where cybercrime, system downtime, and lax enforcement measures are issues (Rouibah et al., 2016).”
- Authors
- Rouibah, K., Lowry, P. B., & Hwang, Y.
- Affiliations
- Kuwait University (KW)
- University of Hong Kong (HK)
- DePaul University (US)
- Corresponding author
- Rouibah, Kamel
- Venue
- Electronic Commerce Research and Applications
- Publisher
- Elsevier BV
- Published
- 2016-09
- Volume
- 19
- Pages
- 33-43
- ISSN
- 1567-4223 (ISSN-L)
- OpenAlex
- W2505276455
- Cited by
- 263
- References
- 11
- Citations by year
- 2026: 19 · 2025: 29 · 2024: 36 · 2023: 32 · 2022: 26 · 2021: 44 · 2020: 27 · 2019: 21 · 2018: 16 · 2017: 11 · 2016: 2
- FWCI
- 28.97
- Type
- journal article
- Language
- en
- Open access
- green
- doi.org
- Locations
- Electronic Commerce Research and Applications (publishedVersion)
- SSRN Electronic Journal (publishedVersion)
- The HKU Scholars Hub (University of Hong Kong) (submittedVersion)
- Funders
- Kuwait University
- Topics
- Social Sciences › Decision Sciences › Information Systems and Management › Technology Adoption and User Behaviour
- Social Sciences › Sociology and Political Science › Privacy, Security, and Data Protection
- Health Sciences › Health Professions › Health Information Management › Health, Technology, Consumer Behavior
- Keywords
- online payment adoption, perceived enjoyment, risk perception, consumer trust, trust formation, intention to use, personal innovativeness, trust propensity, familiarity, e-commerce trust, Arab consumers, Kuwait
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