Exploring the determinants of users' satisfaction with online payments in Tizi-Ouzou, Algeria

Abstract

         Using multiple correspondence analysis and the Chi-square test, this study investigates the effects of socioeconomic and demographic factors on electronic payment among 155 Algerian e-commerce users. An online survey was conducted between July 20th, 2023 and January 25th, 2024. Some of the elements that may influence electronic payment consumers' happiness include gender, age range, academic level, marital status, and income level. The findings confirm that these variables are independent of e-payment satisfaction. In other words, the observed differences are not significant.

       The current study suggests devoting more attention to less prevalent features (such as men, generations X and Z, married e-shoppers, and college students). Furthermore, a qualitative survey is recommended to better understand motivation, habits, and previous experiences with e-shopping and electronic payments. Furthermore, it is recommended to enhance the sample size.

Keywords: e-shopping, e-consumer, e-payment, multiple correspondence analysis, Chi-square test, Algeria.