Abstract:

This research elaborated the factors that influence credit card users’ acceptance and response of Electronic statement or E-statement. A conceptual model named E-statement Acceptance Model (ESAM) has been derived to facilitate this study.  ESAM has been developed and later introduced through the adoption of Technology Acceptance Model (TAM) and Service Quality Framework (SERVQUAL) with minor modification.  Descriptive and inferential statistics were tabulated and analyzed based on questionnaire-based survey. Inferential analyses indicated Efficiency, Accessibility, Simplicity, Trust, Anxiety, Security and Reliability of E-Statement are the factors that significantly influence Intentional To Use and Acceptance Behaviour of E-Statement.