The rapid expansion of e-commerce has accelerated the adoption of digital payment systems, making them a critical component of the online shopping experience. This study examines the impact of digital payment systems on customer satisfaction in e-commerce, with a specific focus on the roles of perceived ease of use and reliability. Drawing on the Technology Acceptance Model (TAM) and service quality theory, the research proposes that ease of use and reliability are key determinants influencing customers’ evaluation of digital payment platforms. The study contributes to the existing literature by integrating technological and service quality perspectives to explain customer satisfaction in digital payment contexts. Practically, the findings provide valuable insights for e-commerce platforms, fintech companies, and policymakers to improve payment infrastructure, enhance user experience, and build customer trust. The study highlights that optimizing ease of use and ensuring reliability are essential for sustaining customer satisfaction and long-term growth in the digital economy.

Keywords: Digital Payment Systems, Customer Satisfaction, e-Commerce, Reliability, Technology Acceptance Model (TAM), Online Transactions.

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