A study of the effectiveness of online payment using credit card among professionals in Klang Valley / Suriayani Wahab

This study is carried out to determine the effectiveness of online payment using credit card through Internet among professionals in Klang Valley. The target group is among the professionals who have the credit card because they are able to use their credit card for online payment. Purpose of this study, is to identify the perception and acceptance of the online payment in the future when all the Malaysian totally changing from traditional to online payment and when financial institution provides the online payment services through Internet. All the information gathered is important in order carry out the next finding to determine effectiveness online payment using credit card through Internet among professionals in Klang Valley. Factor influence the usage of online payment through Internet audit will be divided in to three factor demographic factor or characteristics, personal preferences and sources of information. Challenges of the online payment using credit card through Internet could explain the barriers and the problem most of the respondents faced when using the online payment through Internet. All data are gathered from the questionnaires distributed in four companies around Klang Valley in private and government agencies. The outcome finds that, the usage level of online payment using credit card through Internet among professionals in Klang Valley is effective and most of the respondents accept the use of the online payment through Internet. These findings imply that the online payment still need improvement in facilitating especially security aspects to attract more people to use the online payment in the future