Sécurité Perçue Et Confiance Comme Déterminants De l'adoption Du Paiement Électronique En Algérie Présentation du projet Innovant WassitPay

Abstract

This research examines the influence of perceived security on the adoption of electronic payment in the context of e-commerce in Algeria. Through a theoretical study, it highlights the central role of perceived security in reducing perceived risk, strengthening trust, and indirectly influencing adoption intention. To address the main weaknesses observed in the Algerian market, the innovative project WassitPay was developed as a secure intermediary platform designed to protect transactions, build trust between stakeholders, and encourage the transition toward more reliable digital payment solutions. The findings confirm that the development of electronic payment depends not only on technology but also on users’ trust in the digital environment