Mobile Payment Adoption Intention During Pandemic Covid-19 in Indonesia

Abstract

Essentially, the fast development of technology, especially the internet, has created a shift in consumer behaviour with regards to shopping that has leaned toward online shopping. This drives the sprouting of many different types of mobile payment (M-payment) that can be used as a payment tool. Moreover, the world is currently facing the COVID-19 pandemic, in addition, Indonesia is currently doing a mass scale social distancing (PSBB) to stop the infection of COVID-19, among other things limiting out of the home movement, and practicing physical distancing. This appeal makes shops advising payments using M-payment or cashless. Hence, the main purpose of this study is to identify the impact of the COVID-19 pandemic on consumer attitude in Indonesia specifically in the adoption of mobile payment (M-payment) as the safe way to do payments. The assumption of M-payment adoption is based on situational influences, personal knowledge, and perceived usefulness. The research model has been empirically tested using 217 responses from a field questionnaire conducted in a number of large cities in Indonesia – by using the multiple regression analysis techniques. The findings of the study reveal that situational influences, personal attitude, personal knowledge have a significant effect on M-payment adoption in this global pandemic of Covid-19. Meanwhile, perceived usefulness has no significant effect on M-payment adoption in this global pandemic of Covid-19. A suggestion for the M-payment providers, despite PU having no significant effect, it continues to be one of the drawing factors for people to use M-payment, hence it's best for the M-payment to continue providing benefits to its users to increase cashless payment in order to stop the spread of COVID-19. Why is it important to continue providing benefits for users? Because this study has shown that personal attitudes and personal knowledge have a significant effect on the interest of M-payment users, which means during this COVID-19 pandemic, positive attitude and people’s knowledge regarding M-payment has been shaped due to the situation, therefore, by continuously providing benefits, M-payment platforms could increase the number of people using M-payment.

Promoting habitual mobile payment usage via the Thai government's 50:50 co-payment scheme

“…Therefore, health and financial benefits, as well as situational factors, were expected to positively influence the attitude toward m-payment adoption. However, the effect of situational conditions was found to be negligible, which counters previously reported results (e.g., Immanuel & Dewi, 2020 ; Kroenung & Eckhardt, 2015 ). This discrepancy can be attributed to the fact that consumers did not have all payment options at their disposal during the pandemic; thus, the role of situational conditions was minimized.…”

“…(2010) instrument, and perceived risk was measured using four items adapted from the questionnaire designed by Liebana-Cabanillas, Herrera, and Guillen (2016) . Trust in government and situational influence were measured using four and three items each adapted from the instruments developed by Tsui (2019) and Immanuel and Dewi (2020) , and attitude and continuance intention were measured using three items adapted from the questionnaires used previously by Law, Kwok, and Ng (2016) and Venkatesh et al. (2011) .…”

Analisis Minat Penggunaan Ulang pada Dompet Digital Shopeepay di Masa Pandemi Covid-19

“…Salah satu langkah stimulus pemerintah yaitu melalui jalur konsumsi untuk melindungi masyarakat (Santoso, 2021). Adanya virus Covid-19 sekarang ini menjadi dorongan besar atau alasan utama untuk para masyarakat melakukan transaksi melalui digital atau elektronik karena meminimalisir kontak langsung dengan orang lain, tetapi sebelum adanya pandemi Covid-19 sebagian masyarakat juga sudah banyak yang menggunakan transaksi elektronik karena dianggap mudah dan mempunyai manfaat sebagaimana banyak penelitian yang mengangkat topik mengenai dompet digital ini (Immanuel & Dewi, 2020). Salah satu pencegahan kontak langsung dengan orang lain adalah menggunakan transaksi digital yang dapat dilakukan dengan smartphone ataupun laptop, karena tidak perlu bersentuhan dengan uang kertas ataupun menyimpan uang kertas (cashless) (Nasution dkk, 2021).…”

The Role of Social Media in Promoting Mobile Payment: A Qualitative Study of Consumers in Macao

“…The COVID-19 pandemic may be an exogenous shock that eventually pushes consumer adoption to a tipping point (Hung, 2020;Immanuel et al 2020). When the lockdowns began around the world, non-essential physical shopping changed to online shopping only, or the place of purchase changed to a contactless experience -including mobile payments highly encouraged at checkout.…”