Nowadays, transactions on e-commerce platforms (e-payment) utilizing a credit card are popular. Using credit cards for electronic purchases over the Internet is much different from offline purchases in traditional stores; only online transactions do not include either physical credit card or a signature. The e-payment has become a common mode of payment for online transactions made. It is an electronic billing system that gives clients the ability to make payments using the Internet. The objective of this paper was to analyze the associations among continuance intention e-payment, effort expectancy, facilitating conditions, performance expectancy, social influence, and actual usage of e-payment. The data was tested empirically on data collected from 667 Generation Z e-payment users in Malaysia. The results found that facilitating conditions, performance expectancy, and social influence impacted the actual usage of e-payment. Surprisingly, effort expectancy was not significantly associated with the actual e-payment usage. The findings of this study have several implications for managers and point the way towards future research. No prior empirical study has investigated the role of the Unified Theory of Acceptance and Use of Technology model on e-payment usage among Generation Z in Malaysia to the best of the authors’ knowledge. These results provide valuable contributions that can help decision-makers formulate or adjust their strategies associated with e-payments.

Secure, convenient, and affordable payment instruments are one factor that drives up the development of the national economy. Having a good and stable national economic condition is the intention of every country. The usage of electronic payment instruments is proven to boost economic growth and advance financial inclusion. However, the usage of e-payment among generation Z in Indonesia is still relatively low. Of these, this study is written to analyze the factors influencing electronic payment used to be taken as a concern on evaluating the current level of the cashless society. The model to assess the influencing factors is adopted from UTAUT variables: performance expectancy, effort expectancy, and social influence, combined with two external variables: culture and perceived security. The questionnaire is distributed to 458 respondents, covering generation Z in Bandung City. A quantitative approach was used to assess the questionnaire result, examining the relationship between each factor and electronic payment usage. The results indicate three factors that significantly influence electronic payment usage among generation Z in Bandung City: performance expectancy, social influence, and culture.