Factors influencing the adoption of mobile payment systems in Indonesia

Abstract

Purpose This empirical study aims to determine factors that influence an individual’s intention to use mobile payment (MP) systems. The study investigates direct, indirect and total effects as well as factors that mediate or moderate effects on intention. Design/methodology/approach A theoretical model is derived from previous studies and combines factors from technology acceptance model and unified theory of acceptance and use of technology (perceived usefulness, perceived ease of use, social influence, facilitating conditions, behavioral intention) with factors relevant to MP (perceived security, uncertainty avoidance, trust, network externalities and self-efficacy). Gender, age, MP experience and income are included as moderators of direct effects on behavioral intention. The sample includes 736 participants from the four large cities in Indonesia. Structural equation modeling is used to analyze and develop the theoretical model. Findings Self-efficacy has the greatest total effect on behavioral intention, followed in decreasing order of importance by perceived usefulness, perceived ease of use, social influence, trust, network externalities and uncertainty Avoidance. only gender and MP experience have significant moderating effects whereby the direct effects of self-efficacy and network externalities on behavioral intention are influenced by gender and MP experience, respectively. Trust, perceived usefulness and perceived ease of use have important mediation effects. Originality/value This study fills the gap in the limited theoretical understanding of MP adoption in Indonesia. New theoretical findings related to mediating and moderating effects, direct, indirect, and total effects are used to discuss important practical implications of the findings.

The Acceptance of Mobile Learning: A Case Study of 3D Simulation Android App for Learning Physics

“…The measuring instruments are listed in Table 1. 3D simulation Android app is useful in my learning 3D simulation Android app enables me to perform learning activities more quickly 3D simulation Android app increases my learning productivity 3D simulation Android app will increase my chances to get a better grade Perceived Ease of Use [23] The interaction of 3D simulation Android app is clear and understandable It is easy to become skillful at using 3D simulation Android app 3D simulation Android app is easy to use It is easy for me to learn how to operate 3D simulation Android app Perceived Enjoyment [21] I believe that using 3D simulation Android app will be interesting to me I believe that 3D simulation Android app will stimulate my curiosity I believe the use of 3D simulation Android app will fit well with the way I like to study I believe that using 3D simulation Android app can solve my problems Behavioral Intention [14] I intend to use 3D simulation Android app in the future Given the opportunity, I will use 3D simulation Android app I plan to use 3D simulation Android app in the future I predict I would use 3D simulation Android app in the future Since the purposive sampling method is applied, the questionnaire was distributed to the targeted respondents from high schools located in two cities in Indonesia. Next, a preliminary analysis of the final data is addressed to examine the validity and reliability of the constructs.…”

“…Behavioral intention refers to the individual's intention to perform a specified behavior that has an effect on the actual usage [23]. Figure 1 depicts the research model used in this study which incorporates three determinants: Perceived Usefulness, Perceived Ease of Use, and Perceived Enjoyment, that may affect an individual's intention to adopt the 3D simulation Android app.…”

Understanding the key drivers in using mobile payment among Generation Z

“…Despite the rapid global growth of m-payment, a study revealed that the willingness of Indonesian customers to adopt m-payment is considered low and still at the infancy stage (Lisana, 2021). Central Bank of Indonesia reported that m-payment transactions were valued at US$13.95bn in 2020, increasing 38.6% from 2019 and expected to obtain US$18.5bn in 2021 (The Asian Banker, 2020).…”

“…Most of the extant studies in m-payment acceptance have been conducted using one of the popular technology acceptance models, unified theory of acceptance and use of technology (UTAUT) (Lisana, 2021). Originally, UTAUT comprises four main constructs, namely performance expectancy, effort expectancy, social influence and facilitating conditions, that affect the user's intention to accept new technology.…”

“…Moreover, to the best of my knowledge, no studies examine the factors that influence the Gen Z-er's intention, as a dominant population in Indonesia, to accept m-payment. Additionally, in the m-payment adoption context, only a few authors adopted the moderating factors in their research model, specifically for education (Lisana, 2021;Pramana, 2021). This study aims to fill the void by investigating the factors that affect the behavior intention among Indonesian Gen Z-ers.…”