Ho12: PU has no positive impact on attitude to use E-Payment. Hypothesis (Hoi) Effects R2 Constant (ß0) Coefficient (ßi) t-stat Remarks Ho1 ATT -> INT 0.431 0.076 0.657 10.305 Reject Ho13: PU has no positive effect on intention to use E-Payment. Ho2 PBC -> INT 0.293 1.627 0.315 7.616 Reject Correlation Analysis: Ho3 SN -> INT 0.007 3.895 0.081 0.958 Accept Correlation analysis is done to assess the impact that movements or variations in perceived ease of use, perceived usefulness could have on e-Payment use. Ho4 Trust -> ATT 0.236 3.509 0.486 6.581 Reject Ho5 Trust -> PBC 0.072 3.564 0.268 3.286 Reject Ho6 Trust -> SN 0.144 2.624 0.379 4.849 Reject Regression Model Ho7 Trust -> INT 0.210 2.897 0.458 6.098 Reject Ho8 Trust -> PU 0.110 3.759 0.332 4.163 Reject Ho9 PEU -> PU 0.365 2.775 0.604 8.978 Reject Ho10 PEU -> Trust 0.248 1.289 0.498 6.795 Reject Ho11 PEU -> ATT 0.219 3.269 0.468 6.260 Reject Ho12 PU -> ATT 0.341 2.081 0.584 8.509 Reject Ho13 PU -> INT 0.348 0.796 0.590 8.643 Reject The following table represents the result of testing the structural links of research model using linear regression analysis. The estimated path coefficients are given along with the associated t-value. Most of the coefficients are significant at the 99% significance level providing strong support for all the hypothesized relationships. Conclusion: The study put forwarded the following conclusions: Explaining Intention Attitude (ß1= 0.657) has significant effect on intention and there by rejecting Ho1. The path between Trust and intention was found to be significant (ß7= 0. 458), there by rejecting Ho7. The path between Perceived Usefulness and intention was found to be significant (ß13= 0.590), there by rejecting Ho13. In fact, Attitude has the strongest effect with a path coefficient of 0.43 emphasizing the important role of an individual’s Perceived Usefulness in driving his/her intentions towards adoption of e-Payment. The path between Perceived Behavioural Control and intention find to be significant (ß3=0.541) there by rejecting Ho3. The path between Perceived Behavioural Control was found to be significant soiesnepal.org The results shows that the intention to use e- payment is predicted by Attitude (ß1= 0.657, p<0.01), Perceived Behavioural Control (ß2= 0.315, p<0.01) Trust (ß7= 0.213, p<0.01) and Perceived Usefulness (ß13= 0.328, p<0.01). Attitude is predicted by Trust (ß4= 0.318, p<0.01), and Perceived Usefulness (ß12= 0.459, p<0.01). Perceived Usefulness is predicted by Perceived Ease of Use (ß9= 0.584, p<0.01).Trust is predicted by Perceived Ease of Use (ß10= 0.498, p<0.01).Trust has positive effect on Perceived Behavioural Control (ß5= 0.268, p<0.01), Subjective Norms (ß6= 0.379, p<0.01) (ß2= 0.541) and there by rejecting Ho2. Explaining Attitude The path between Perceived usefulness and attitude was found to be significant (ß12= 0.584), there by rejecting Ho12. The path between Perceived ease of use and attitude was found to be significant (ß11= 0.468), there by rejecting Ho 11. The path between Trust and attitude was found to be significant (ß4= 0.486), there by rejecting Ho4. Explaining Perceived Usefulness Perceived usefulness is significantly defined by Perceived ease of use (ß9= 0.332), a jointly 36.7% of the total variance explained. The path between Perceived ease of use and Perceived usefulness was found to be significant (ß9= 0.332), there by rejecting Ho9. Explaining Trust Perceived Ease of Use accounted for 24.8% variance in Trust Path between Perceived ease of use and Trust was found to be significant (ß10= 0. 387), there by supporting Ho10 . Trust has significant effect on Attitude (ß4= 0.486). Moreover, trust has positive effect on Perceived behavioural control (ß5= 0.268) and is considered as an important antecedent of perceived behavioural control in e-Payment services. In other words, the trust beliefs will be able to increase customers’ perceived behavioural control in performing the behaviour. On the other hand, trust (ß6= 0.379) significantly influences subjective norm while explaining only 14.4% of the total variance in subjective norm. The reason for this is twofold. First, this indicates that while users establish the initial trust in e-Payment, it will help enhance the users’ normative beliefs about the expectations of referents such as friends, peers, and superiors who concern the initial adoption of the e-Payment. The connection between user’s trust and perceived social Industrial Vision 4.0 | 2017 59