Identifying User’s Interest in Using E-Payment Systems

Web usage mining is used to analyse the user/customer behaviour which is required for business intelligence (BI). The usage of e-payment applications through electronic devices has become more important in organisations and is growing with unprecedented pace. Discovering web usage patterns can result in making strategic decisions for business growth. Especially organisations that need ground truth for exploiting/influencing the customer behaviour. Many researchers contributed towards web usage mining. However, working on real-world data sets provides more useful outcomes. Based on this, we proposed a framework with an EPUD algorithm to perform web usage mining. We have collected electronic payment indicators from RBI dataset and converted it into synthesised server logs suitable for web usage mining. Our algorithm mines the server logs discovers the electronic payment usage and our experimental results reveal the trends in identifying the behaviour of customers in using e-payment systems. The insights in this paper help in understanding the patterns of electronic payment usage for different payment indicators.