Perceived mobile payment acceptance in Indonesia

The current study examines the predictive factors that most influence Indonesian people to use the mobile payment system. Based on the research model, both perceived ease of use and usefulness are influenced by four independent variables: perceived compatibility, subjective norms, individual mobility, and personal innovativeness. There is also one independent variable that directly affects the intention of use: perceived security. The study was conducted in the Jabodetabek area, and 139 respondents filled out a questionnaire. Overall, subjective norms have a positive effect toward perceived ease of use and perceived usefulness, while personal innovativeness does not have any positive effect toward perceived ease of use and perceived usefulness. Individual mobility has a positive effect only toward the perceived usefulness, while perceived compatibility has a positive effect only on perceived ease of use. There is also a positive influence from perceived ease of use to perceived usefulness. Both perceived ease of use and perceived usefulness have a positive effect on the intention of use of mobile payment; perceived security does not have a positive influence on intention to use.