20.500.12556/RUP-23340 Fintech and e-payment methods in tourism and hospitality examining customers' e-satisfaction, e-loyalty, and e-trust during the travel experience Fintech in metode e-plačevanja v turizmu in gostinstvu preučevanje e-zadovoljstva, e-zvestobe in e-zaupanja med potovalno izkušnjo This study aims to examine the impact of electronic payment methods (EPMs) usage on customers’ e-satisfaction and how their e-satisfaction influences their e-loyalty. Additionally, it investigates the moderating role of customers’ e-trust in the relationship between EPMs usage and customers’ e-satisfaction. The population under study is travellers who have prior experience using e-payment methods within tour ism and hospitality transactions in the MENA region (Middle East and North Africa). Data were gathered online from 211 e-payment users using a convenience-based purposive sampling technique. The findings reveal that EPMs usage has a positive and significant impact on customers’ e- satisfaction. Additionally, customers’ e-satisfaction with EPMs has a positive impact on their e-loyalty. Furthermore, the moderating role of e-trust is significant but has a weak effect in the direction of the relationship between EPMs usage and customers’ e-satisfaction. This study provides valuable insights to enrich the existing literature on fintech services and e-payment methods, particularly in the tourism and hospitality industry. It also suggests how finance, tourism, and hospitality businesses can improve customers’ EPM experiences to boost e-satisfaction, e-loyalty, and e-trust. Pričujoča preiskava preučuje vpliv uporabe elektronskih plačilnih metod (EPM) na e-zadovoljstvo strank ter kako e-zadovoljstvo vpliva na njihovo e-zvestobo. Poleg tega raziskuje moderacijsko vlogo e-zaupanja strank v odnosu med uporabo EPM in e-zadovoljstvom strank. Preučevana populacija so popotniki, ki imajo predhodne izkušnje z uporabo elektronskih plačilnih metod pri transakcijah v turizmu in gostinstvu v regiji MENA (iz angl. Middle East and North Africa; Bližnji vzhod in Severna Afrika). Podatki so bili zbrani preko spleta od 211 uporabnikov e-plačil z uporabo namensko izbranega priložnostnega vzorčenja. Rezultati kažejo, da ima uporaba EPM pozitiven in statistično značilen vpliv na e-zadovoljstvo strank. Poleg tega e-zadovoljstvo strank z EPM pozitivno vpliva na njihovo e-zvestobo. Nadalje je ugotovljeno, da je moderacijska vloga e-zaupanja statistično značilna, vendar šibka glede na smer odnosa med uporabo EPM in e-zadovoljstvom strank. Raziskava ponuja dragocene vpoglede za dopolnitev obstoječe literature o storitvah fintech in elektronskih plačilnih metodah, zlasti v turistični in gostinski industriji. Prav tako podaja priporočila, kako lahko podjetja s področij financ, turizma in gostinstva izboljšajo izkušnje strank z EPM, da bi povečala e-zadovoljstvo, e-zvestobo in e-zaupanje. fintech electronic payment methods (EPMs) e-satisfaction e-loyalty e-trust fintech elektronske plačilne metode (EPM) e-zadovoljstvo e-zvestoba e-zaupanje true false false University of Primorska Press Angleški jezik Slovenski jezik Neznano 2026-07-21 08:26:55 2026-07-21 08:26:56 2026-07-22 03:07:43 0000-00-00 00:00:00 2026 0 Koper 0 str. 71-89, 115 no. 1 Vol. 19 2026 0000-00-00 Zaloznikova Objavljeno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 338.48 1855-3303 10.26493/2335-4194.19.71-89 281659907 ZUP_Kamel_Noha_Ahmed_2026.pdf ZUP_Kamel_Noha_Ahmed_2026.pdf 1 E047D9B9C3EC3B130B381B9CC1DE56F8 bf4bb8355b0e47fcd1b57ac851ac8d4d9ad93e1c994ddb19a6008893bcfd3028 f92b7aed-84cc-11f1-9e8d-005056ac49c0 https://repozitorij.upr.si/Dokument.php?lang=slv&id=34133 https://www.hippocampus.si/ISSN/2335-4194/19.71-89.pdf 0 38ac4b37-84cd-11f1-9e8d-005056ac49c0 https://repozitorij.upr.si/Dokument.php?lang=slv&id=34134 Založba Univerze na Primorskem 0 0 0