TY - JOUR
T1 - Factors Affecting Switching Intention from Cash on Delivery to E-Payment Services in C2C E-Commerce Transactions
T2 - COVID-19, Transaction, and Technology Perspectives
AU - Purwandari, Betty
AU - Suriazdin, Syahrul Alam
AU - Hidayanto, Achmad Nizar
AU - Setiawan, Suryana
AU - Phusavat, Kongkiti
AU - Maulida, Mutia
N1 - Funding Information:
This work was supported by the PUPT grant Ministry of Research and Technology/National Research and Innovation Agency Indonesia with contract number: NKB-074/UN2.RST/HKP.05.00/2021. The authors also express sincere appreciation to the Faculty of Computer Science, Universitas Indonesia for partially supported of this work.
Publisher Copyright:
© 2022 by the authors. Licensee ESJ, Italy.
PY - 2022
Y1 - 2022
N2 - During the COVID-19 pandemic, the application of e-payment has rapidly increased. However, e-payment has not been able to achieve a trustworthy level in e-commerce transactions. Thus, cash payment methods with Cash On Delivery (COD) services still dominate C2C e-commerce payment transactions in Indonesia. This study aims to investigate factors that affect users' switching intentions from COD to e-payment services. The research model was adopted by using the Push-Pull-Mooring framework, integrating perceived COVID-19 risk, technology acceptance, and transaction effort. Empirical research was conducted using data from 546 COD and e-payment users in Indonesia, with Structural Equation Modelling (SEM) being used to validate the model and analyze the hypotheses. The results indicate that switching intention from COD to e-payment is significantly influenced by pull factors in e-payment, which are economic benefits, performance expectancy, effort expectancy, and critical mass. There are also two mooring factors that significantly influence the switching intention from COD to e-payment, which are trust and perceived security and privacy. This study makes a significant contribution to the literature in terms of validating a theoretical framework that emphasizes factors that influence user switching intentions from COD to e-payment in the context of the COVID-19 pandemic. This research can be a reference for Indonesian payment system regulators and e-payment service providers in formulating regulations and strategies to accelerate the spread of digital transactions in Indonesia.
AB - During the COVID-19 pandemic, the application of e-payment has rapidly increased. However, e-payment has not been able to achieve a trustworthy level in e-commerce transactions. Thus, cash payment methods with Cash On Delivery (COD) services still dominate C2C e-commerce payment transactions in Indonesia. This study aims to investigate factors that affect users' switching intentions from COD to e-payment services. The research model was adopted by using the Push-Pull-Mooring framework, integrating perceived COVID-19 risk, technology acceptance, and transaction effort. Empirical research was conducted using data from 546 COD and e-payment users in Indonesia, with Structural Equation Modelling (SEM) being used to validate the model and analyze the hypotheses. The results indicate that switching intention from COD to e-payment is significantly influenced by pull factors in e-payment, which are economic benefits, performance expectancy, effort expectancy, and critical mass. There are also two mooring factors that significantly influence the switching intention from COD to e-payment, which are trust and perceived security and privacy. This study makes a significant contribution to the literature in terms of validating a theoretical framework that emphasizes factors that influence user switching intentions from COD to e-payment in the context of the COVID-19 pandemic. This research can be a reference for Indonesian payment system regulators and e-payment service providers in formulating regulations and strategies to accelerate the spread of digital transactions in Indonesia.
KW - E-Commerce
KW - Indonesia
KW - Payment Systems
KW - Switching Intention COVID-19
UR - http://www.scopus.com/inward/record.url?scp=85127699016&partnerID=8YFLogxK
U2 - 10.28991/esj-2022-SPER-010
DO - 10.28991/esj-2022-SPER-010
M3 - Article
AN - SCOPUS:85127699016
SN - 2610-9182
VL - 6
SP - 136
EP - 150
JO - Emerging Science Journal
JF - Emerging Science Journal
IS - Special Issue
ER -