مجلة الامتياز لبحــوث الاقتصاد والادارة
Volume 10, Numéro 1, Pages 357-370
2026-06-05
Determinants Of User Trust In The National Electronic Payment System: An Empirical Study Of The Edahabia System In Algeria
Authors : Boulenouar Chahida .
Abstract
This research quantifies the effect of technical reliability on Edahabia users’ trust, and then the effect of this trust on usage intention. A survey of 500 users in the Oran region, combined with transaction logs over 18 months, was analyzed using structural equation modeling. Technical reliability yields a standardized coefficient of 0.58 (p < 0.001) on trust; trust yields a coefficient of 0.68 (p < 0.001) on usage intention. Notable disparities appear according to residential area and socio-professional category. The results confirm that the system’s technical performance is the main determinant of user adoption.
Keywords
electronic payment ; trust ; technical reliability ; customer support ; Edahabia
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