Factors affecting the intention to use digital payment service in Indonesia

Aulia Sena Adipraja, Arian Dhini, Verena Amanda

Research output: Contribution to journalConference articlepeer-review

Abstract

The digital payment system provides users transparency, security, convenience, and comfort, accelerating transaction growth. This study aims to identify and obtain significant factors which affect digital payment adoption based on Technology Acceptance Model (TAM) using Partial Least Square - Structural Equations Modeling (PLS-SEM). The questionnaire collected data from 356 respondents, i.e., 42% from Java-Bali, 19% from Sumatra, 16% from Kalimantan, and 22% from Sulawesi. PLS-SEM can approximate the relationships among latent variables while requiring less data than Covariance-based SEM (CB-SEM). The proposed factors in the model are trust, perceived ease of use, perceived usefulness, perceived risk, convenience, attitudes toward services, social influence, and behavioral intentions. This study found five factors that empirically affect the behavioral intention to use digital payment services in Indonesia: perceived usefulness, trust, social influence, and attitudes toward the service.

Original languageEnglish
Article number090009
JournalAIP Conference Proceedings
Volume3215
Issue number1
DOIs
Publication statusPublished - 25 Nov 2024
Event18th International Conference on Quality in Research, QiR 2023 - Bali, Indonesia
Duration: 23 Oct 202325 Oct 2023

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