E-Payment and Online Shopping Behaviour of University of Calabar Students

This study examined e-payment and online shopping behaviour of Unical students. The study adopted a descriptive survey research design. The population of the study was 7226 students in the Faculty of Management Sciences, University of Calabar. The sample size of this study was 379 students of the faculty, determined using the Taro Yamane formula. Data were collected using a structured questionnaire. The collected data were analyzed using descriptive statistics. The hypotheses of the study were tested using Multiple Regression Analysis. The study found that e-wallets significantly affect the online shopping behaviour of Unical Students. The mobile payment system significantly affects the online shopping behaviour of Unical students. Also, net banking significantly affects the online shopping behaviour of Unical Students, and debit cards significantly affect the online shopping behaviour of Unical Students. The study concluded that e-payment plays a vital role in students’ online shopping behaviour at the University of Calabar. Based on the findings and the conclusion, the study recommended that e-wallet providers should implement strong security measures like biometric authentication and encryption to build trust and improve user confidence in online buying behavior. Mobile payment providers should simplify transaction processes with features like one-tap payments and automatic recognition to enhance the appeal of online shopping. Banks should enhance net banking security with secure logins, real-time alerts, and robust encryption to increase user trust and attractiveness for online transactions. Banks should promote debit card use for online shopping by offering rewards, cashback, and discounts to make it more appealing to customers.