Faktor-Faktor Penentu yang Mempengaruhi Niat Penggunaan Mobile Payment

Eric Prasetya Limantoro, Dudi Anandya

Abstract


The purpose of this study is to examine the effect of Perceived Security, Perceived Compatibility, User Mobility, Personal Innovativeness, Social Norms, and Social Self Image on Intention To Use Mobile Payment on Gopay consumers in Surabaya. This study using a sample of 170 Gopay customers in Surabaya where at the time of sampling using a non probability sampling technique that is Sampling Purposive, then data was collected using an online questionnaire method and this research was conducted using the Structural Equation Model (SEM). The results showed that Perceived Security, Perceived Compatibility, User Mobility has a significant positive effect on Perceived Usefulness but for Personal Innovativeness it did not have a positive effect on Perceived Usefulness as a mediation, while for the mediating effect of Perceived Ease Of Use, the results showed that Perceived Security, Perceived Compatibility, User Mobility did not positive effect but Personal Innovativeness has a significant positive effect on Perceived Ease Of Use, for the results the mediation effect of Perceived Usefulness and Perceived Ease Of Use does not affect the relationship between Perceived Security, Perceived Compatibility, User Mobility, Personal Innovativeness on Intention To Use Mobile Payment, lastly for the influence of social norms and social self image has a significant positive effect on Intention To Use Mobile Payment.


Keywords


Intention To Use Mobile Payment, Perceived Compatibility, Perceived Security, Personal Innovativeness, User Mobility

Full Text:

PDF

References


Ajzen, I. (1985), “From intentions to actions: a theory of planned behavior”, in Kuhl, J. and Beckmann, J. (Eds), Action Control: From Cognition to Behavior, Springer, Heidelberg, pp. 11-39

Alshurideh, M. T., Al Kurdi, B., Masa’deh, R., & Salloum, S. A. (2021). The moderation effect of gender on accepting electronic payment technology: a study on United Arab Emirates consumers. Review of International Business and Strategy, 31(3), 375–396

Badrinarayanan, V., Becerra, E.P. and Madhavaram, S. (2014), “Influence of congruity in store-attribute dimensions and self-image on purchase intentions in online stores of multichannel retailers”, Journal of Retailing and Consumer Services, Vol. 21 No. 6, pp. 1013-1020

Chun, H., Lee, H. and Kim, D. (2012), “The integrated model of smartphone adoption: hedonic and utilitarian value perceptions of smartphones among Korean college students”, Cyberpsychology, Behavior, and Social Networking, Vol. 15 No. 9, pp. 473-479

Fishbein, M. and Ajzen, I. (1975), Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research, Addison-Wesley, Boston, MA

Ha, Y.W., Kim, J., Libaque-Saenz, C.F., Chang, Y. and Park, M.-C. (2015), “Use and gratifications of mobile SNSs: Facebook and KakaoTalk in Korea”, Telematics and Informatics, Vol. 32 No. 3, pp. 425-438

Hanafizadeh, P., Byron, W.K. and Khedmatgozar, H.R. (2014), “A systematic review of internet banking adoption”, Telematics and Informatics, Vol. 31 No. 3, pp. 492-510

Hsu, C.L. and Lu, H.P. (2004), “Why do people play on-line games? An extended TAM with social influences and flow experience”, Information and Management, Vol. 41 No. 7, pp. 853-868.

Kalinić, Z., Liébana-Cabanillas, F. J., Muñoz-Leiva, F., & Marinković, V. (2020). The moderating impact of gender on the acceptance of peer-to-peer mobile payment systems. International Journal of Bank Marketing, 38(1), 138–158.

Karnouskos, S., and Vilmos, A. (2004), “The European Perspective on Mobile Payments.”,Paper presented at IEEE Symposium on Trends in Communications, Bratislava,Slovakia.

Kapoor, K., Dwivedi, Y. and Williams, M. (2015), “Examining the role of three sets of innovation attributes for determining adoption of the interbank mobile payment service”, Information Systems Frontiers, Vol. 17 No. 5, pp. 1039-1056

Kim, C., Mirusmonov, M, and Lee, I. (2010), “An empirical examination of factors influencing the intention to use mobile payment”, Computers in Human Behavior, Vol. 26, No. 3pp. 310-322

Kuncoro, Mudrajad. 2003. Metode Riset untuk Bisnis & Ekonomi. Jakarta:Erlangga

Laforet, S. and Li, X. (2005), “Consumers’ attitudes towards online and mobile banking in China”, International Journal of Bank Marketing, Vol. 23 No. 5, pp. 362-380.

Leong, C. M., Tan, K. L., Puah, C. H., & Chong, S. M. (2020). Predicting mobile network operators users m-payment intention. European Business Review, 33(1).

Lin, K. and Lu, H. (2015), “Predicting mobile social network acceptance based on mobile value and social influence”, Internet Research, Vol. 25 No. 1, pp. 107-130.

Lin, K. Y., Wang, Y. T., & Huang, T. K. (2019). Exploring the antecedents of mobile payment service usage: Perspectives based on cost–benefit theory, perceived value, and social influences. Online Information Review, 44(1), 299–318.

Lu, Y., Yang, S., Chau, P.Y.K. and Cao, Y. (2011), “Dynamics between the trust transfer process and intention to use mobile payment services: a cross-environment perspective”, Information & Management, Vol. 48 No. 8, pp. 393-403

Lwin, M., Williams, J. and Wirtz, J. (2007), “Consumer online privacy concerns and responses: a powerresponsibility equilibrium perspective”, Journal of the Academy of Marketing Science, Vol. 35 No. 4

Pal, D., Vanijja, V., & Papasratorn, B. (2015). An Empirical Analysis towards the Adoption of NFC Mobile Payment System by the End User. Procedia Computer Science, 69, 13–25.

Perkins, H. W., & Berkowitz, A. D. (1986). Perceiving the community norms of alcohol use among students: Some research implications for campus alcohol education programming. International Journal of the Addictions, 21(9-10), 961–976

Ozturk, A.B., Bilgihan, A., Nusair, K. and Okumus, F. (2016), “What keeps the mobile hotel booking users loyal? Investigating the roles of self-efficacy, compatibility, perceived ease of use, and perceived convenience”, International Journal of Information Management, Vol. 36 No. 6, pp. 1350-1359

Sekaran, uma dan Roger Bougie. (2010). Edisi 5, Research Method For Business: A Skill Building Approach. John Wiley @ Sons, New York

Umar, Husein. (2002). Metodologi Penelitian.untuk Skripsi dan Tesis Bisnis.Jakarta: PT. Raja Grafindo Persada

Upadhyay, P., & Jahanyan, S. (2016). Analyzing user perspective on the factors affecting use intention of mobile based transfer payment. Internet Research, 26(1), 38–56. https://doi.org/10.1108/IntR-05-2014-0143

Yang, S., Lu, Y., Gupta, S., Cao, Y. and Zhang, R. (2012), “Mobile payment services adoption across time: an empirical study of the effects of behavioral beliefs, social influences, and personal traits”,Computers in Human Behavior, Vol. 28 No. 1, pp. 129-142.

Zikmund., Carr, B. dan Griffin, 2009,’Business Researc Methods’,Orlando: The Dryden Pres0073

Zikmund, William G, dan Babin, Barry J. (2012). Essential of Marketing Research - 5/E. China, Asia: South-Western Cengage Learning




DOI: https://doi.org/10.26905/jbm.v9i1.7416

Refbacks

  • There are currently no refbacks.


Jurnal Bisnis dan Manajemen
Faculty of Social and Political Science University of Merdeka Malang

Mailling Address:
  • Address: Terusan Dieng Street 62-64 Malang, Indonesia
  • Website: http://jurnal.unmer.ac.id/index.php/jbm
  • Email: jbm.unmermlg@unmer.ac.id
  • Phone: +62 813-9393-3938
Free counters!

View Stat JBM

 
Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.