An exploratory study on the impact of trust on different E-payment gateways : Octopus card vs. credit card

Document Type

Book chapter

Source Publication

PACIS 2010 proceedings

Publication Date


First Page


Last Page



Association for Information Systems


Business-to-Consumer (B2C) E-commerce, Trust, Trust Building Processes, Technology Acceptance Model (TAM), Partial Least Square (PLS)


The study of trust of consumer on Business-to-Consumer (B2C) E-commerce is one of the key research interests of Information Systems (IS) researchers. In this research, we investigate the impact of trust on two different E-payment gateways, viz. online credit card payment system and the hypothetical online Octopus card (a stored-value smart card) payment system. Based on the model developed by Gefen et al. (2003) and McKnight et al. (2002a), we synthesize our own research model by incorporating disposition to trust, and trust and its antecedents with the Technology Acceptance Model (TAM). An online survey was conducted on the Government-to-Citizen (G2C) E-commerce portal of the Hong Kong Government and 2,481 usable responses were collected. The empirical result shows that consumers in Hong Kong are using different trust building processes to consider their adoption for E-payment gateways.

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Copyright © 2010 Association for Information Systems. Access to external full text or publisher's version may require subscription.

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Recommended Citation

Ho, K. K. W., & See-To, E. W. K. (2010). An exploratory study on the impact of trust on different E-payment gateways: Octopus card vs. credit card. In PACIS 2010 proceedings (no. 42, pp. 475-486). Retrieved from