Predicting M-Payment Adoption Intention in Indonesia: Integrating Technology Acceptance Model and Psychological Factors
The government is currently promoting the growth of m-payment usage in Indonesia. Therefore, research is needed to identify the factors influencing the adoption intention of m-payment. One theory frequently employed to elucidate the usage intention of m-payment is the Technology Acceptance Model (TA...
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| Format: | UMS Journal (OJS) |
| Language: | eng |
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Universitas Muhammadiyah Surakarta
2023
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| Online Access: | https://journals2.ums.ac.id/index.php/indigenous/article/view/2586 |
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| author | Susiloadi, Priyanto Renanita, Theda Julaibib |
| author_facet | Susiloadi, Priyanto Renanita, Theda Julaibib |
| author_sort | Susiloadi, Priyanto |
| collection | OJS |
| description | The government is currently promoting the growth of m-payment usage in Indonesia. Therefore, research is needed to identify the factors influencing the adoption intention of m-payment. One theory frequently employed to elucidate the usage intention of m-payment is the Technology Acceptance Model (TAM). According to this theory, intention arises from perceived usefulness and perceived ease of use. This study integrates TAM with psychological variables, namely, trust and subjective norms. This research aims to examine the factors influencing the adoption intention of m-payment. Before conducting the model test, this research begins with adapting and validating all measurement tools in the Indonesian language. Participants in this study are individuals aged 17 and above who own smartphones. The entire data collection is done online. The research instrument is validated with confirmatory factor analysis (CFA) on perceived usefulness, perceived ease of use, trust, subjective norm, and the adoption intention of m-payment (N=209). The model test is conducted through path analysis (N=210). The validation process confirms the theoretical model of the five instruments in the Indonesian version. The CFA results indicate that all five research instruments meet the cut-off criteria for fit indices RMSEA, CFI, TLI, and SRMR. The path analysis results reveal that perceived usefulness, perceived ease of use, and subjective norm influence the adoption intention of m-payment. In contrast, trust does not affect the adoption intention of m-payment. This research contributes both theoretically and practically, particularly regarding the factors influencing m-payment adoption. |
| format | UMS Journal (OJS) |
| id | oai:ojs2.journals2.ums.ac.id:article-2586 |
| institution | Universitas Muhammadiyah Surakarta |
| language | eng |
| publishDate | 2023 |
| publisher | Universitas Muhammadiyah Surakarta |
| record_format | ojs |
| spelling | oai:ojs2.journals2.ums.ac.id:article-2586 Predicting M-Payment Adoption Intention in Indonesia: Integrating Technology Acceptance Model and Psychological Factors Susiloadi, Priyanto Renanita, Theda Julaibib Intention m-payment adoption path analysis technology acceptance model trust The government is currently promoting the growth of m-payment usage in Indonesia. Therefore, research is needed to identify the factors influencing the adoption intention of m-payment. One theory frequently employed to elucidate the usage intention of m-payment is the Technology Acceptance Model (TAM). According to this theory, intention arises from perceived usefulness and perceived ease of use. This study integrates TAM with psychological variables, namely, trust and subjective norms. This research aims to examine the factors influencing the adoption intention of m-payment. Before conducting the model test, this research begins with adapting and validating all measurement tools in the Indonesian language. Participants in this study are individuals aged 17 and above who own smartphones. The entire data collection is done online. The research instrument is validated with confirmatory factor analysis (CFA) on perceived usefulness, perceived ease of use, trust, subjective norm, and the adoption intention of m-payment (N=209). The model test is conducted through path analysis (N=210). The validation process confirms the theoretical model of the five instruments in the Indonesian version. The CFA results indicate that all five research instruments meet the cut-off criteria for fit indices RMSEA, CFI, TLI, and SRMR. The path analysis results reveal that perceived usefulness, perceived ease of use, and subjective norm influence the adoption intention of m-payment. In contrast, trust does not affect the adoption intention of m-payment. This research contributes both theoretically and practically, particularly regarding the factors influencing m-payment adoption. Universitas Muhammadiyah Surakarta 2023-11-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://journals2.ums.ac.id/index.php/indigenous/article/view/2586 10.23917/indigenous.v8i3.2586 Indigenous: Jurnal Ilmiah Psikologi; Vol. 8 No. 3 (2023): November; 352-367 2541-450X 0854-2880 10.23917/indigenous.v8i3 eng https://journals2.ums.ac.id/index.php/indigenous/article/view/2586/892 Copyright (c) 2023 Priyanto Susiloadi, Theda Renanita, Julaibib https://creativecommons.org/licenses/by/4.0 |
| spellingShingle | Intention m-payment adoption path analysis technology acceptance model trust Susiloadi, Priyanto Renanita, Theda Julaibib Predicting M-Payment Adoption Intention in Indonesia: Integrating Technology Acceptance Model and Psychological Factors |
| title | Predicting M-Payment Adoption Intention in Indonesia: Integrating Technology Acceptance Model and Psychological Factors |
| title_full | Predicting M-Payment Adoption Intention in Indonesia: Integrating Technology Acceptance Model and Psychological Factors |
| title_fullStr | Predicting M-Payment Adoption Intention in Indonesia: Integrating Technology Acceptance Model and Psychological Factors |
| title_full_unstemmed | Predicting M-Payment Adoption Intention in Indonesia: Integrating Technology Acceptance Model and Psychological Factors |
| title_short | Predicting M-Payment Adoption Intention in Indonesia: Integrating Technology Acceptance Model and Psychological Factors |
| title_sort | predicting m payment adoption intention in indonesia integrating technology acceptance model and psychological factors |
| topic | Intention m-payment adoption path analysis technology acceptance model trust |
| topic_facet | Intention m-payment adoption path analysis technology acceptance model trust |
| url | https://journals2.ums.ac.id/index.php/indigenous/article/view/2586 |
| work_keys_str_mv | AT susiloadipriyanto predictingmpaymentadoptionintentioninindonesiaintegratingtechnologyacceptancemodelandpsychologicalfactors AT renanitatheda predictingmpaymentadoptionintentioninindonesiaintegratingtechnologyacceptancemodelandpsychologicalfactors AT julaibib predictingmpaymentadoptionintentioninindonesiaintegratingtechnologyacceptancemodelandpsychologicalfactors |