Abstract: This study investigated the factors affecting electronic payment systems (EPS) adoption in Zambia using a sequential mixed-methods design combining quantitative and qualitative approaches. Data were collected from 987 participants across three provinces (Lusaka, Copperbelt, and Eastern) achieving a 92.5% response rate. Multiple regression analysis revealed that five factors collectively explained 67.9% of variance in EPS adoption (R² = .679, F = 416.82, p < .001). Technological infrastructure emerged as the strongest predictor (β = .298, p < .001), followed by trust and security perceptions.....
Keywords: Electronic payment systems, digital financial services, technology adoption, financial inclusion, mobile money, Zambia.
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