Security of Personal Information in Electronic Payments: A Bibliometric Analysis and Model Extension

Abstract

The global rise in the use of electronic payments highlights the growing importance of personal information security in this domain. Scholars have explored various aspects of this issue, including payment systems, technological implementations, user acceptance, behavior, and psychological factors. This study aims to identify research gaps and future trends in personal information security in electronic payments through bibliometric analysis. Data was sourced from the Scopus and Web of Science databases, covering the period from 1974 to 2023. The dataset was analyzed using VOSviewer and R-Bibliometrix (Biblioshiny) software. The co-occurrence network output indicates that future research should focus on clusters with lower density and central positions, such as user acceptance of new technologies, consumer behavior, user trust, and user satisfaction with electronic payments. The R-Bibliometrix (Biblioshiny) thematic map identified research gaps across four quadrants: motor themes, niche themes, emerging or declining themes, and basic themes. The study proposes potential research areas in personal information security in electronic payments and develops an extended UTAUT (Unified Theory of Acceptance and Use of Technology) model tailored to this field. The study identifies trust and technology acceptance as critical themes and extends the UTAUT model to incorporate personal information security cognition.