Electronic Payment Systems Use and Satisfaction in an Arabic Country: Evidence from Kuwait

Despite that existence of variety of electronic payment systems is among critical success factors of ecommerce, it is surprising to note that few studies were carried about the preferences of customers to these alternatives. This study evaluates the degree of current use, satisfaction, intention to adopt and perceived obstacles toward existing electronic payment systems. Data were collected from 350 consumers in Kuwait with regard to thirteen available electronic payment systems. Results reveal that the most used systems are debit cards, credit cards, cash on delivery, shop and ship service, prepaid Petronet card and mobile payment. Systems that received high satisfaction are payment with debit cards, credit cards, cash on delivery, shop and ship service, payment with prepaid Petronet and mobile payment. Payment systems that consumers intent to use in the future are: prepaid CashU.com, payment over Civil ID, cash on delivery Shop and Ship service, PayPal, and internet prepaid bank cards.