The online payment for products or for the access to payment-based services can be made by means of a range of (mobile) electronic payment systems – (M)EPS. Both the industrial sector and research community, mainly World Wide Web Consortium (W3C), are working on facilitating these payment methods on Web and supporting the multiple users on how they can select the suitable (M)EPS. However, to the best of our knowledge, there were no thorough studies considering consumer’s preferences when they support multiple (M)EPS. To address this issue, we have performed a survey on an international participants (n=272) aiming to (i) developed a theoretical model to determine their preferences when they are supporting more than one (M)EPS, (ii) find the most valuable option according to them and (iii) determine the surrounding conditions that support their decision to use a specific (M)EPS. The theoretical framework of this study was based on the Technology Acceptance Model (TAM). According to our statistical analysis (Chi-square test), consumers that can pay using different (M)EPS during their online payment transaction, have a preferred payment system based on its security, fees, usefulness, and ease of use as well as on their favorite Web browser for these transactions. Factor analysis was also performed to identify factors that much influence the (M)EPS. Results revealed that the factors influencing online payment preferences differ from those involved in traditional payment methods. Our findings allowed, therefore, providing practical suggestions for supporting payment processes with Web browsers and the W3C payment Application Program Interface (API).

Electronic (mobile) payment systems are an important aspect of e-commerce. However, few reviews highlight the most significant findings and challenges. In this article, we have prepared a bibliometric analysis to provide a statistical overview of previously published research papers on electronic (mobile) payment systems and user preferences, with a particular emphasis on their diverse techniques and analyses, as well as comprehensive and reliable directions to reveal evolutionary nuances and highlighting emerging areas in this specific research. This study reviewed 177 scientific papers published between 2001 and November 2021 in the Web of Science (WoS) database on the subjects of electronic payment systems (EPS) and mobile payment systems (MPS), payment interface (PI), technology acceptance model (TAM), payment frameworks (PF), and user preferences (UP). The amount of studies using the abovementioned topics (EPS, MPS, TAM, PF, and UP) increases annually. Spain, China, and Malaysia are the three main countries that actively participate, and their international academic partnership is relatively close. We have compiled a list of the most relevant publications, prolific authors, institutions, and leading research topics. The articles were used to evaluate bibliometric indicators, analyze research activity, investigate the subject’s evolution, and identify the most interconnected themes. The findings provide a comprehensive overview of existing thematic studies, with a notable rising trend showing the potential for future research in the field. The study provides a guideline for further research.

The availability of multiple (mobile) electronic payment systems ((M)EPS) has led to the development of web browser payment interfaces that support various payment systems, facilitate the transaction, the choice of the payment system, and perform the payment. However, so far, no in-depth study on user satisfaction determinants with these interfaces has been conducted. Our work aims to cope with this issue. Thus, based on the analysis of payment literature and Google Chrome web browser (GCWB) payment interface, we propose a new web browser payment interface that considers users’ preferences to support multiple payment systems. Furthermore, we have developed a theoretical model to determine users’ preferences to support multiple payment systems. Our model is based on the extension of technology acceptance models. Finally, we evaluated both the theoretical and proposed payment interface through a survey research approach (n = 266); data were collected, and the hypotheses were tested via statistical analysis (chi-square test, regression coefficients). Our experimental results revealed that our proposed interface is accepted, easy to use, and satisfies users’ needs. The key factors for accepting a new web browser payment interface are ease of use, usefulness, security, confidentiality, privacy, payment method preferences, visual interface design, and credibility.

This chapter presents what an electronic payment framework is, its main features and benefits, what the main electronic payment frameworks proposed so far are, and the current initiatives that are being developed. For each framework developed so far, the chapter presents its key features and differences with previous works. The presentation of the different frameworks proposed so far will allow the reader to understand the evolution of these frameworks and how different features have been incorporated along the time. Once previous works have been presented, the chapter introduces the most recent work in this field, that is, the work that is being developed by W3C with its web payment activity initiative. The chapter covers the different specifications that have been defined in this initiative and it analyzes the main challenges to be addressed. Thus, the reader will have a broad vision of electronic payment frameworks.

This article presents what an electronic payment framework is, its main features and benefits, what the main electronic payment frameworks proposed so far are and, the current initiatives that are being developed. For each framework developed so far, the article presents its key features and differences with previous works. The presentation of the different frameworks proposed so far will allow the reader to understand the evolution of these frameworks and how different features have been incorporated along the time. Once previous works have been presented, the article introduces the most recent work in this field, that is, the work that is being developed by W3C with its Web Payment Activity Initiative. The article covers the different specifications that have been defined in this initiative and it analyses the main challenges to be address. Thus, the reader will have a broad vision of electronic payment frameworks.