Digital Transformation at Fuel Stations in Sulaymaniyah, Kurdistan Iraq - Petro-retails Experience on Adoption of Digital Payment by the Consumers.

Abstract

     The study investigates the adoption of digital payment systems by consumers and Petro-Retailers at fuel stations in Sulaymaniyah, Kurdistan, Iraq. Using a quantitative methodology with a sample of 200 participants, the research evaluates the impact of perceived ease of use, perceived usefulness, perceived risk, and trust on digital payment adoption through regression analysis and ANOVA. The results show significant positive correlations between perceived ease of use, perceived usefulness, trust, and the adoption of digital payments, while perceived risk had a lesser impact. The findings highlight the transformative potential of digital payments in enhancing transaction efficiency, customer satisfaction, and operational transparency in the fuel retail sector.