Youth's Intention to Use Mobile Payments Based on TAM Theory

Aflit Nuryulia Praswati, Diky Adi Saputro, Helmia Khalifah Sina, Novel Idris Abbas

Abstract


Consumer shopping behavior that previously used the brick and mortar method is now shifting to focus on online purchases. Online shopping is made even easier with the mobile payment transaction method. This study aims to explore the behavior of young consumers in using mobile payments when shopping through the view of the Technology Acceptance Model (TAM) theory. Young consumers tend to be curious about new technologies that can make shopping easier for them. This study uses a quantitative method that confirms the relationship between variables that influence the desire of young consumers to use mobile payments. The respondents of this study are young consumers who use mobile payments when shopping. Data collection used questionnaires which were distributed online and analyzed using the PLS SEM method. The results of the study state that the variables service quality, perceived usefulness, perceived ease of use, attitude of use influence behavioral intention to use mobile payments. The characteristics of young consumers have many unique features that will make them even more interesting when further investigated, for example the other side of the ease of use of mobile payments for impulse buying.

Full Text:

PDF

References


Ahmad, S., Bhatti, S. H., & Hwang, Y. (2020). E-service quality and actual use of e-banking: Explanation through the Technology Acceptance Model. Information Development, 36(4), 503–519. https://doi.org/10.1177/0266666919871611

Amaro, S., & Duarte, P. (2015). An integrative model of consumers’ intentions to purchase travel online. Tourism Management, 46, 64–79. https://doi.org/10.1016/j.tourman.2014.06.006

Chi, T. (2018). Understanding Chinese consumer adoption of apparel mobile commerce: An extended TAM approach. Journal of Retailing and Consumer Services, 44(April), 274–284. https://doi.org/10.1016/j.jretconser.2018.07.019

Christian, L., Juwitasary, H., Chandra, Y. U., Putra, E. P., & Fifilia. (2019). Evaluation of the E-Service Quality for the Intention of Community to Use NFC Technology for Mobile Payment with TAM. Proceedings of 2019 International Conference on Information Management and Technology, ICIMTech 2019, 1(August), 24–29. https://doi.org/10.1109/ICIMTech.2019.8843811

Hair, J. F., L.D.S. Gabriel, M., da Silva, D., & Braga Junior, S. (2019). Development and validation of attitudes measurement scales: fundamental and practical aspects. RAUSP Management Journal, 54(4), 490–507. https://doi.org/10.1108/RAUSP-05-2019-0098

Ho, J. C., Wu, C., Lee, C., & Pham, T. T. (2020). Technology in Society Factors affecting the behavioral intention to adopt mobile banking : An international comparison. Technology in Society, 63(December 2019), 101360. https://doi.org/10.1016/j.techsoc.2020.101360

Kasilingam, D. L. (2020). Understanding the attitude and intention to use smartphone chatbots for shopping. Technology in Society, 62(June 2019), 101280. https://doi.org/10.1016/j.techsoc.2020.101280

Kaur, A., & Malik, G. (2019). Examining factors influencing Indian customers’ intentions and adoption of internet banking: Extending TAM with electronic service quality. Innovative Marketing, 15(2), 42–57. https://doi.org/10.21511/im.15(2).2019.04

Lew, S., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B. (2020). The disruptive mobile wallet in the hospitality industry: An extended mobile technology acceptance model. Technology in Society, 63(March), 101430. https://doi.org/10.1016/j.techsoc.2020.101430

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. https://doi.org/10.1016/j.techsoc.2017.12.001

Montoro-ríos, F., & Liébana-cabanillas, F. (2016). NFC technology acceptance for mobile payments : A Brazilian Perspective. 19(63), 82–103. https://doi.org/10.7819/rbgn.

Mostafa, R. B. (2020). Mobile banking service quality: a new avenue for customer value co-creation. International Journal of Bank Marketing, 38(5), 1107–1132. https://doi.org/10.1108/IJBM-11-2019-0421

Muangmee, C., Kot, S., Meekaewkunchorn, N., Kassakorn, N., & Khalid, B. (2021). Factors determining the behavioral intention of using food delivery apps during covid-19 pandemics. Journal of Theoretical and Applied Electronic Commerce Research, 16(5), 1297–1310. https://doi.org/10.3390/jtaer16050073

Mumtaza, Q. M. H., Nabillah, S. I., Amaliya, S., Rosabella, Y., & Hammad, J. A. (2020). Worldwide mobile wallet: a futuristic cashless system. Bulletin of Social Informatics Theory and Application, 4(2), 70–75. https://doi.org/10.31763/businta.v4i2.204

Ning, Y., Yan, M., Xu, S. X., Li, Y., & Li, L. (2021). Shared parking acceptance under perceived network externality and risks: Theory and evidence. Transportation Research Part A: Policy and Practice, 150(May), 1–15. https://doi.org/10.1016/j.tra.2021.05.009

Nookhao, S., & Chaveesuk, S. (2019). The Consumer Trust Influencing Intention to Use Electronic Wallet in Thailand. 2019 11th International Conference on Information Technology and Electrical Engineering, ICITEE 2019, 7, 1–6. https://doi.org/10.1109/ICITEED.2019.8929973

Pankaj, Y. (2017). Active Determinants for Adoption of Mobile Wallet. I-Manager’s Journal on Management, 12(1), 7. https://doi.org/10.26634/jmgt.12.1.13565

Peña-García, N., Gil-Saura, I., Rodríguez-Orejuela, A., & Siqueira-Junior, J. R. (2020). Purchase intention and purchase behavior online: A cross-cultural approach. Heliyon, 6(6). https://doi.org/10.1016/j.heliyon.2020.e04284

Revythi, A., & Tselios, N. (2019). Extension of technology acceptance model by using system usability scale to assess behavioral intention to use e-learning. Education and Information Technologies, 24(4), 2341–2355. https://doi.org/10.1007/s10639-019-09869-4

Routray, S., Khurana, R., Payal, R., & Gupta, R. (2019). A Move towards Cashless Economy: A Case of Continuous Usage of Mobile Wallets in India. Theoretical Economics Letters, 09(04), 1152–1166. https://doi.org/10.4236/tel.2019.94074

Sharma, S. K. (2019). Integrating cognitive antecedents into TAM to explain mobile banking behavioral intention: A SEM-neural network modeling. Information Systems Frontiers, 21(4), 815–827. https://doi.org/10.1007/s10796-017-9775-x

Singh, N., & Sinha, N. (2020). How perceived trust mediates merchant’s intention to use a mobile wallet technology. Journal of Retailing and Consumer Services, 52(March 2019), 101894. https://doi.org/10.1016/j.jretconser.2019.101894

Song, H. J., Ruan, W. J., & Jeon, Y. J. J. (2021). An integrated approach to the purchase decision making process of food-delivery apps: Focusing on the TAM and AIDA models. International Journal of Hospitality Management, 95(March), 102943. https://doi.org/10.1016/j.ijhm.2021.102943

Sugiyono. (2016). METODE PENELITIAN KUANTITATIF, KUALITATIF DAN R &. D. Alfabeta.

Surtikanti, & Mustofa, R. H. (2019). Utilization of Electronic Money. IOP Conference Series: Materials Science and Engineering, 662(2). https://doi.org/10.1088/1757-899X/662/2/022013

Taherdoost, H. (2018). Development of an adoption model to assess user acceptance of e-service technology: E-Service Technology Acceptance Model. Behaviour and Information Technology, 37(2), 173–197. https://doi.org/10.1080/0144929X.2018.1427793

Tsao, W. C., Hsieh, M. T., & Lin, T. M. Y. (2016). Intensifying online loyalty! the power of website quality and the perceived value of consumer/seller relationship. Industrial Management and Data Systems, 116(9), 1987–2010. https://doi.org/10.1108/IMDS-07-2015-0293

Vărzaru, A. A., Bocean, C. G., Rotea, C. C., & Budică-Iacob, A. F. (2021). Assessing antecedents of behavioral intention to use mobile technologies in e-commerce. Electronics (Switzerland), 10(18). https://doi.org/10.3390/electronics10182231

Zheng, J., & Li, S. (2020). What drives students’ intention to use tablet computers: An extended technology acceptance model. International Journal of Educational Research, 102(May), 101612. https://doi.org/10.1016/j.ijer.2020.101612




DOI: https://doi.org/10.31315/jubir.v2i1.10113

Refbacks

  • There are currently no refbacks.


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

    Contact Us:
  • Magister of Management
  • UPN "Veteran" Yogyakarta
  • Address : Jl. Padjadjaran, Condong Catur, Sleman DI Yogyakarta 55283
  • Phone : +62 274 486733
  • E-Mail : adminjubir@upnyk.ac.id
slot gacor slot gacor hari ini slot gacor 2025 demo slot pg slot gacor slot gacor