Email this article
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.
Keywords
Intention to Recommend, M-Payment, TAM, UTAUT
Full Text:
PDFReferences
Aji, H. M., Berakon, I., & Riza, A. F. (2021). The effects of subjective norm and knowledge about riba on intention to use e-money in Indonesia. Journal of Islamic Marketing, 12(6), 1180–1196.
APJII. (2017). Penetrasi & Profil Perilaku Pengguna Internet Indonesia 2017. Apjii, 51. https://apjii.or.id/survei2018s/download/TK5oJYBSyd8iqHA2eCh4FsGELm3ubj
Bae, S., Mo Kwon, J., & Bosley, A. (2020). Factors influencing consumers’ rejection to smartphone transactions in the lodging industry. International Hospitality Review, 34(1), 29–40.
Bauer, H. H., Reichardt, T., & Schüle, A. (2005). User requirements for location based services. Proceedings of the IADIS International Conference in e Commerce, 211–218.
Berakon, I., Wibowo, M. G., Nurdany, A., & Aji, H. M. (2021). An expansion of the technology acceptance model applied to the halal tourism sector. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-03-2021-0064
Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India – An empirical study. International Journal of Bank Marketing, 37(7), 1590–1618.
Choshaly, S. . (2019). Applying innovation attributes to predict purchase intention for the eco-labeled products: A Malaysian case study. International Journal of Innovation Science, 11(4), 583–599.
Chuah, S. H. W., Rauschnabel, P. A., Krey, N., Nguyen, B., Ramayah, T., & Lade, S. (2016). Wearable technologies: The role of usefulness and visibility in smartwatch adoption. Computers in Human Behavior, 65, 276–284.
Cooper, D. R., & Schindler, P. S. (2014). Business research methods (12th Edition). In McGraw Hill (12th ed.). McGraw Hill.
Davis, F. D. (1989). Perceived Usefulness , Perceived , And User Acceptance. MIS Quarterly, 13(3), 319–339.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982
Dwivedi, Y. K., Rana, N. P., Jeyaraj, A., Clement, M., & Williams, M. D. (2019). Re-examining the Unified Theory of Acceptance and Use of Technology ( UTAUT ): Towards a Revised Theoretical Model. 21, 719–734.
Flavian, C., Guinaliu, M., & Lu, Y. (2020). Mobile payments adoption – introducing mindfulness to better understand consumer behavior. International Journal of Bank Marketing, 38(7), 1575–1599.
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: an Integrated model. MIS Quarterly, 27(1), 51–90.
Hair, J. J. ., Hult, G. T. ., Ringle, C. ., & Sarstedt, M. (2014). A premier on partial least squares structural equation modeling (PLS-SEM). In SAGE Publication. SAGE Publication.
Hsiao, K. (2017). What drives smartwatch adoption intention? Comparing Apple and non-Apple watches. Library Hi Tech, 35(1), 186–206.
Hsu, C. L., Lu, H. P., & Hsu, H. H. (2007). Adoption of the mobile Internet: An empirical study of multimedia message service (MMS). Omega, 35(6), 715–726.
Hubert, M., Blut, M., Brock, C., Zhang, R. W., Koch, V., & Riedl, R. (2019). The influence of acceptance and adoption drivers on smart home usage. European Journal of Marketing, 53(6), 1073–1098.
Ikhsan, K., & Sunaryo, D. (2020). Technology Acceptance Model, Social Influence and Perceived Risk in Using Mobile Applications: Empirical Evidence in Online Transportation in Indonesia. Jurnal Dinamika Manajemen, 11(2), 127–138.
Johnson, V. L., Kiser, A., Washington, R., & Torres, R. (2018). Limitations to the rapid adoption of M-payment services: Understanding the impact of privacy risk on M-payment services. Computers in Human Behavior, 79, 111–122.
Kim, G., Shin, B., & Lee, H. G. (2009). Understanding dynamics between initial trust and usage intentions of mobile banking. Information Systems Journal, 19(3), 283–311.
Kim, H. ., Kankanhalli, A., & Lee, H. . (2016). Investigating decision factors in mobile application purchase : A mixed-methods approach. Information & Management, 53(6), 727–739.
Liébana-Cabanillas, F., Japutra, A., Molinillo, S., Singh, N., & Sinha, N. (2020). Assessment of mobile technology use in the emerging market : Analyzing intention to use m-payment services in India. 44(9), 102009.
Liébana-Cabanillas, F., Leiva, F. ., & Fernández, J. . (2017). Examining Merchants’ Refusal to Adopt Mobile Payment Systems in Spain. In Smartphones from an Applied Research Perspective.
Liébana-cabanillas, F., Luna, I. R. ., & Montoro-, F. (2017). Intention to use new mobile payment systems : a comparative analysis of SMS and NFC payments. Economic Research-Ekonomska Istraživanja, 30(01), 724–742.
Liébana-cabanillas, F., Marinkovic, V., Ramos, I., Luna, D., & Kalinic, Z. (2018). Predicting the determinants of mobile payment acceptance : A hybrid SEM-neural network approach. Technological Forecasting & Social Change, 129(October 2017), 117–130.
Luna, I. R. ., Liébana-cabanillas, F., Sánchez-fernández, J., & Muñoz-leiva, F. (2019). Mobile payment is not all the same : The adoption of mobile payment systems depending on the technology applied. Technological Forecasting & Social Change, 146(September), 931–944.
Lwin, M., Wirtz, J., & Williams, J. . (2007). Consumer online privacy concerns and responses: A power–responsibility equilibrium perspective. Journal of the Academy of Marketing Science, 35(4), 572–585. https://doi.org/10.1007/s11747-006-0003-3
Makanyeza, C. (2017). Determinants of consumers’ intention to adopt mobile banking services in Zimbabwe. International Journal of Bank Marketing, 35(6), 997–1017.
Mallat, N. (2008). Exploring Consumer Adoption of Mobile Payments - A Qualitative Study. 1–14.
Matemba, E. D., & Li, G. (2018). Consumers’ willingness to adopt and use WeChat wallet: An empirical study in South Africa. Technology in Society, 53, 55–68.
Merhi, M., Hone, K., & Tarhini, A. (2019). Technology in Society A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers : Extending UTAUT2 with security , privacy and trust. Technology in Society, 59(November), 101151.
Mitchell, V. (1999). Consumer perceived risk: conceptualisations and models. European Journal of Marketing, 33(1/2), 163–195.
Moore, G. C., & Benbasat, I. (1996). Integrating Diffusion of Innovations and Theory of Reasoned Action models to predict utilization of information technology by end-users. Transactions of the Japan Society of Mechanical Engineers Series A, 57(534), 291–297.
Naranjo-Zolotov, M., Oliveira, T., & Casteleyn, S. (2019). Citizens’ intention to use and recommend e-participation: Drawing upon UTAUT and citizen empowerment. Information Technology and People, 32(2), 364–386.
Natarajan, T., Balasubramanian, S. A., & Kasilingam, D. L. (2017). Understanding the intention to use mobile shopping applications and its in fl uence on price sensitivity. Journal of Retailing and Consumer Services, 37(July), 8–22.
Noor, J. (2017). Metodologi penelitian: skripsi, tesis, disertasi dan karya ilmiah, edisi pertama. Kencana.
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Computers in Human Behavior Mobile payment : Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61(August), 404–414.
Patil, P., Tamilmani, K., Rana, N. P., & Raghavan, V. (2020). International Journal of Information Management Understanding consumer adoption of mobile payment in India : Extending Meta-UTAUT model with personal innovativeness , anxiety , trust , and grievance redressal. International Journal of Information Management, 54(October), 102144.
Phonthanukitithaworn, C., Sellitto, C., & Fong, M. W. . (2016). An investigation of mobile payment (m-payment) services in Thailand. Asia-Pacific Journal of Business Administration, 8(1), 37–54.
Pu¨schel, J., Mazzon, J. ., & Hernandez, J. M. . (2010). Mobile banking : proposition of an integrated adoption intention framework. International Journal of Bank Marketing, 28(5), 389–409.
Rafdinal, W., & Senalasari, W. (2021). Predicting the adoption of mobile payment applications during the COVID-19 pandemic. International Journal of Bank Marketing, 39(6), 984–1002.
Rahi, S., & Ghani, M. . (2018a). The role of UTAUT, DOI, perceived technology security and game elements in internet banking adoption. World Journal of Science, Technology and Sustainable Development, 15(4), 338–356.
Rahi, S., & Ghani, M. A. (2018b). Does gamified elements influence on user’s intention to adopt and intention to recommend internet banking? International Journal of Information and Learning Technology, 36(1), 2–20.
Rogers, E. . (2003). Diffusion of Innovations (fifth). The Free Press.
Sholihin, M., & Ratmono, D. (2013). Analisis SEM-PLS dengan warpPLS 3.0: untuk hubungan nonlinier dalam penelitian sosial dan bisnis. ANDI.
Sinha, M., Majra, H., Hutchins, J., Saxena, R., Sinha, M., & Hutchins, J. (2019). Mobile payments in India : the privacy factor. International Journal of Bank Marketing, 37(1), 192–209.
Siyal, A. W., Donghong, D., Umrani, W. A., Siyal, S., & Bhand, S. (2019). Predicting Mobile Banking Acceptance and Loyalty in Chinese Bank Customers. SAGE Open, 9(2), 1–21.
Sudono, F. S., Adiwijaya, M., & Siagian, H. (2020). The Influence of Perceived Security and Perceived Enjoyment on Intention to Use with Attitude Towards Use as Intervening Variable on Mobile Payment Customer in Surabaya. 3(1), 37–46.
Talukder, M. S., Chiong, R., Bao, Y., & Hayat Malik, B. (2018). Acceptance and use predictors of fitness wearable technology and intention to recommend: An empirical study. Industrial Management and Data Systems, 119(1), 170–188.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157–178.
Yusuf, M. (2017). Metode penelitian: kuantitatif, kualitatif dan penelitian gabungan, edisi pertama. Kencana.
Zhou, T. (2011). The effect of initial trust on user adoption of mobile payment. Information Development, 27(4), 290–300.
DOI: https://doi.org/10.26905/jmdk.v10i1.6614
Refbacks
- There are currently no refbacks.
Indexing by:
 |  |  |
 |  |
Index Copernicus International (ICI)
Tools:
 |  |
In Collaboration with:
 |
Jurnal Manajemen dan Kewirausahaan Management Department Faculty of Economics University of Merdeka Malang MAILING ADDRESS
|
