M-Payment and Covid-19: Understanding the Determinants of Consumers Adopting and Recommending Digital Payment System

Abstract

This study aims to analyze the adoption of m-payment in Indonesia during pandemic Covid-19 using the technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT), particularly to examine its impact on intention to recommend. The population in this study is users of digital payment from several applications such as GoPay, OVO, Dana, Linkaja, and Shopeepay. The research sample was taken using purposive sampling technique with a minimum of 125 respondents. A total of 213 questionnaires was obtained from the respondent of m-payment users in Jakarta, Tanggerang, Bandung and Serang. Using PLS-SEM, it is found that usefulness, ease of use, visibility and security affect intention to use m-payment, with relative advantage has no significant effect on intention to use. In addition, intention to recommend m-payment is influenced by intention to use.

Determinan Minat Penggunaan E-payment Syariah Dimoderasi Literasi Keuangan Syariah

“…Sumber : Kumar et al, (2018) Gambar 2. Model TAM Davis (1989) dalam (Yoebrilianti et al, 2022) menjelaskan perceived usefulness dimaknai dengan seberapa jauh seseorang dalam mempercayai manfaat sistem tertentu sehingga akan meningkatkan pekerjaannya (Budiyono, dan sutianingsih, 2021). Kegunaan yang dirasakan untuk memastikan bahwa teknologi informasi yang digunakan akan tersedia manfaatnya.…”

“…Sedangkan, menurut Alshurideh et al, (2021) dalam penelitiannya keamanan digambarkan sebagai fitur praktis yang sangat penting untuk pemeliharaan keamanan sistem, keamanan transaksi, dan kerahasiaan data. Kurangnya kepercayaan dan merasa terdapat risiko dalam penggunaan sistem baru yang disebabkan oleh pelanggaran atau penyalahgunaan data akan menjadi hambatan bagi konsumen (Yoebrilianti et al, 2022). Keamanan menjadi sebuah faktor penting untuk menarik pelanggan dalam sistem belanja online dan akan mempengaruhi keinginan pelanggan (Sheila Pinasti et al, 2022).…”

Applying UTAUT Model to Understand Use of Behavior Health Applications User in Indonesia During the COVID-19

“…Security features like encryption, biometrics, and authentication should be considered because they offer customers security benefits. Because there are numerous instances of application user data leakage security is crucial for Indonesians, and mass service providers must keep enhancing their data security (Yoebrilianti et al, 2022).…”

“…Such as Application in Improving the Quality of Health Services During the COVID-19 (Gustiawan et al, 2023;Sujarwoto et al, 2022), research on mobile health (Zamberg et al, 2020;Abaza & Marschollek, 2017). Research using the UTAUT paradigm has also been carried out a lot, such as research on exploring the role of quality measurement in promoting the use of m-learning systems during COVID-19 (Almaiah et al, 2022), research on m-payment adoption during the co-19 pandemic (Yoebrilianti et al, 2022;Wei et al, 2021), risk Assessment Mobile Application (Yuduang et al, 2022, adoption technology (Handoko, 2020), however, there has been no research using the UTAUT paradigm which also identifies the importance performance map analysis as well as testing the moderating variable with multi group analysis.…”