Factors Influencing Trust in the Ministry of Industry’s Central Payment System (d-Payments): An Analytic Hierarchy Process (AHP) Approach
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Abstract
This study aims to (1) investigate the factors influencing trust in the use of the Ministry of Industry’s centralized payment system (d-Payments) using the Analytic Hierarchy Process (AHP) and (2) propose recommendations for improving the system to enhance efficiency and better meet user needs. This research is a quantitative study, focusing on the systematic collection and analysis of numerical data from the selected sample group. The research population comprises individuals involved with the d-Payments system, including system development experts, system administrators, and factory operators in Pathum Thani Province. The sample consists of 35 purposively selected experts and industrial factory operators with direct experience using the d-Payments system.
The analysis revealed that the most influential factors are service provider trustworthiness (36.57%), system security (36.29%), perceived risk (16.64%), and technology acceptance (10.50%). Key sub-criteria include legal compliance, two-factor authentication, and perceived benefits of technology. Findings from both groups were consistent, emphasizing the importance of trustworthiness and security. It is recommended to promote awareness of relevant laws and standards to enhance user understanding and compliance. Policy recommendations include certifying security standards, providing educational information through training or publicity activities, and designing the system for ease of use to promote acceptance and increase user satisfaction with the d-Payments system.
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