The analysis of consumer's intention model for using E-payment system in Indonesia

Sfenrianto, Sfenrianto; Junadi, Junadi; Saragih, Melva Hermayanty

doi:10.1109/siet.2017.8304113

Cited by 9 publications

(6 citation statements)

References 3 publications

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“…Security is critical when it comes to wireless technology (Liébana-Cabanillas et al 2018) especially when it comes to financial transactions due to the risks involved. As such, the finding of this study is in line with the findings from other studies related to mobile payment (Oliveira et al 2016;Sfenrianto et al 2017) and contributes specifically to the context of QR mobile payment. Consequently, the finding of this study shows that QR mobile payment needs to be perceived with minimized risks involved e.g.…”

Section: Discussionsupporting

confidence: 91%

“…In a specific context of NFC mobile payment, Liébana-Cabanillas et al (2018) obtained a similar result with perceived security to be one of the strongest predictors in determining consumers' intention to use NFC mobile payment. These results are consistent with other studies of mobile payment adoption (Johnson et al 2017;Oliveira et al 2016;Sfenrianto, Junadi & Saragih 2017) further validating that perceived security has a significant positive relationship with intention to use mobile payment. This leads to the following hypothesis:…”

Section: Perceived Securitysupporting

confidence: 91%

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Factors Influencing Malaysian Consumers’ Intention to Use Quick Response (QR) Mobile Payment

2019

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In the past decade, conventional payment methods of using cash is progressively replaced with electronic payments. Recently, QR mobile payment begins to receive more attention from many countries including Malaysia. Nevertheless, QR mobile payment is a relatively green area in which very limited literature exists on this subject matter pertaining to consumer acceptance and characteristics of adopter segments of this technology. Therefore, by applying the Technology Acceptance Model (TAM) as the main theoretical framework, the aim of the present study is to investigate the factors influencing intention to use QR mobile payment in Malaysia. Self-administered questionnaires were distributed which resulted in 485 complete responses. Perceived usefulness, personal innovativeness, perceived ease of use, subjective norm, and perceived security were found to be significant in determining intention to use QR mobile payment among Malaysian consumers. ABSTRAKPada dekad yang lalu, kaedah pembayaran konvensional yang menggunakan wang tunai secara beransur-ansur digantikan dengan pembayaran elektronik. Baru-baru ini, pembayaran mudah alih 'Quick Response' (QR) mula mendapat perhatian lebih banyak dari banyak negara termasuk Malaysia. Walau bagaimanapun, pembayaran mudah alih QR adalah bidang yang masih baharu memandangkan hanya terdapat literature yang terhad berkaitan penerimaan pengguna dan ciri-ciri segmen pengguna teknologi ini. Oleh itu, dengan menggunakan Model Penerimaan Teknologi (TAM) sebagai kerangka teori utama, matlamat kajian ini adalah untuk mengkaji faktor-faktor yang mempengaruhi niat/keinginan untuk menggunakan pembayaran mudah alih QR di Malaysia. Borang soal selidik telah diedar dan dilengkapkan oleh 485 responden. Tanggapan kebergunaan, inovasi diri, tanggapan mudah digunakan, norma subjektif, dan tanggapan keselamatan didapati penting dalam menentukan keinginan untuk menggunakan pembayaran mudah alih QR dalam kalangan pengguna Malaysia.Kata kunci: Keinginan menggunakan; pembayaran mudah alih 'Quick Response' (QR); model penerimaan teknologi

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Section: Discussionsupporting

confidence: 91%

Section: Perceived Securitysupporting

confidence: 91%

Factors Influencing Malaysian Consumers’ Intention to Use Quick Response (QR) Mobile Payment

2019

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“…In other words, Gen Z's intention is getting stronger to use the service if the services provided related to these factors are simultaneously improved. This is in line with previous research from Sfenrianto, Junadi, and Saragih [19] who found that these five factors influence people's intention to use electronic payments. Then, the influence of the five independent variables on Gen Z's intention can be seen in the R Square which shows the proportion of 41.4% (R Square) while the rest is influenced by other factors that are not in this model.…”

Section: Multiple Regression Analysissupporting

confidence: 92%

“…A further study was conducted by Sfenrianto, Junaidi, and Saragih [19] related to a model made by Junadi and Sfenrianto [20] to test whether culture, perceived security, effort expectancy, performance expectancy, and social influence people's intention to use electronic payments when they shop at online marketplaces like Lazada, Zalora, Blibli, and others. Using Structural Equation Modeling (SEM), it was found that these five variables proved to have a positive impact on people's intention to shop online using electronic payments.…”

Section: Introductionmentioning

confidence: 99%

Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services

Aseng

2020

CogITo Smart Journal

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Many studies related to financial technology (FinTech), especially digital payment services, have been carried out. However, there is still a lack of studies that focus on Generation Z, especially their intention to use the service, while this generation is very familiar and is easily adaptable to new technologies. In addition, it is projected that this generation will contribute greatly to online transactions in Indonesia and even the world. For this reason, this study focuses on factors that can influence Generation Z’s intention to use digital payment services. There are five independent factors that will be tested, namely: culture, perceived security, performance expectancy, effort expectancy, and social influence. The research instrument was a questionnaire adopted from related literature, which was distributed online using the snowball and convenient sampling method. A total of 266 Generation Z people participated in this study. A descriptive statistic and multiple regression analysis were performed and found that simultaneously these five factors had a significant positive effect (Sig <.05) on the intention of Generation Z in using the service. This study concludes that service providers have to pay attention to these factors in attracting Generation Z.Keywords—digital payment services, financial technology, Generation Z

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“…Nevertheless, this paper needs to treat analysis of security and performance as the lynchpin of the suggested protocol. Sfenrianto [42]examined the client intention towards use e-payment scheme. However, they specifically focused in Indonesia.…”

Section: B Secure Electronic Transaction Protocolmentioning

confidence: 99%

A Review of Secure Authentication based e-Payment Protocol

Ratnakanth¹

2017

ijacsa

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Abstract-The growth of e-commerce platform is increasing rapidly and possesses a higher level of hazard compared to standard applications as well as it requires a more prominent level of safety.Additionally, the transaction and their data about clients are enormously sensitive, security production and privacy is exceptionally crucial. Consequently, the confirmation is generally vital towards security necessities as well as prevents the data from stolen and unauthorized person over the transaction of e-payment. At the same time, privacy strategies are essential to address the client data security. Because of this, the data protection and security ought to be viewed as a central part of ebusiness framework plan. Particularly enormous consideration is given to cash exchanges assurance. In the past decades, various methods were created to permit secure cash transaction using epayment frameworks. This study will review and discuss the epayment scheme. It uses various encryption algorithms and methods to accomplish data integrity, privacy, non-repudiation and authentication.

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The analysis of consumer's intention model for using E-payment system in Indonesia

Cited by 9 publications

References 3 publications

Factors Influencing Malaysian Consumers’ Intention to Use Quick Response (QR) Mobile Payment

Factors Influencing Malaysian Consumers’ Intention to Use Quick Response (QR) Mobile Payment

Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services

A Review of Secure Authentication based e-Payment Protocol

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