Understanding proximity mobile payment continuance usage in Indonesia from a habit perspective

Abstract

Purpose This study aims to propose a theoretical model to explain mobile payment (MP) continuance usage in a physical store in Indonesia from a habit perspective. In detail, continuance usage was argued to be a consequence of habitual behavior which is related to specific actions conducted automatically, repeatedly and frequently. Therefore, the theoretical model was constructed on the theory of habit establishment. Design/methodology/approach In total, 220 Indonesian respondents were used to examine the theoretical model. Furthermore, a cross-sectional study was used through the use of a descriptive statistical approach to preparing data and descriptive analyses and structural equation modeling method for analysis. Findings Satisfaction was found to have the most substantial direct influence on the establishment of habit to use MP followed by perceived usefulness and perceived compatibility. Meanwhile, deal proneness and social ties were discovered to have a significant indirect effect on habit through the mediation of usefulness. Originality/value This study used the theory of habit formation to understand how user develops repeated behavior in MP usage which leads to continuance usage of the platform. There is limited explicit exploration and development of a theory based on this concept, therefore, this study is a contribution to the body of knowledge with respect to habit formation and its impacts on MP continuance usage.

Fintech Payment Services among Fresh Graduates: The UTAUT Model Perspective

“…The result shows that social influence has no significant influence over the adoption of Fintech payment services. Studies by Ahmad et al (2021); Handarkho et al (2021); Rabaai (2021); Tohang et al (2021) also found similar results on the social influence aspect. This shows that fresh graduates are not pressured by their social environment to adopt the use of Fintech payment services.…”

A comparative study of fintech payment services adoption among malaysian and indonesian fresh graduates: through the lens of UTAUT theory

“…Based on Table 8 for the Malaysian context, the adoption of Fintech payments is not influenced by the surrounding environment but comes from voluntary action to adopt. [43,45] also explain that Fintech users are not concerned with their surrounding environment and may simply seem to have no interest in the opinions of their respective reference group (i.e., family, friends, colleagues) in adopting Fintech payment services. Whereas for Indonesia, the result displayed a significant negative relationship with Fintech payment services adoption (Table 8), implying that social influence discourages the use of Fintech in Indonesia.…”

“…The findings show that Malaysian fresh graduates do not consider that their trust toward a particular product or ser-vices would influence their adoption of Fintech payment services (Table 10). According to [45], the study contends that fresh graduates experience volatility, uncertainty, complexity, and ambiguity situations when dealing with Fintech payment services. In comparison, the Indonesian data reported contrasting findings where consumer trust significantly and positively affects the adoption of Fintech payment services among fresh graduates.…”

The preference of Muslim young generation in using digital zakat payment: Evidence in Indonesia

“…Raja & Seetharaman (1970) concluded that the cause of intention to transact is because of the ease and cost of using electronic money, which is cheaper when compared to physical cash and not only cannot be counterfeited but can also be counterfeited. Continuous use intention is the willingness of customers to use the same product or service that is done automatically, repeatedly, and frequently (Handarkho et al, 2021). The continuous use of intention is also used in telecommunications and data networks for e-commerce with safeguards for consumer privacy.…”