THE ANALYSIS OF DIGITAL PAYMENT USAGE INTENTION FROM THEORY OF PLANNED BEHAVIOR AND THEORY ACCEPTANCE MODEL PERSPECTIVES

Abstract

This research has the purpose to analyze the factors that cause digital payment usage intention, the factors that being used in this research is adapt from TAM and TPB., perceived usefulness, perceived ease of use and attitude is being taken from TAM, Subjective norms is taken from TPB model with security and trust as additional variable outside this two model. The research find the influences of the security toward usage intention, perceived usefulness toward usage intention, perceived ease of use toward usage intention, trust toward usage intention, subjective norms toward usage intention, attitude toward usage intention, and the simultaneous affect from all of the variables toward usage intention The methodology that use in this study is quantitative approach hence it will use the questionnaire as media to gathering the primary data. This study used 300 sample data of Indonesia citizen for being analysis using validity and reliability test, multiple regression analysis, T-test and F-test the result is: security, perceived ease of use, trust and subjective norms give significant influence to the digital payment usage intention. However, perceived usefulness and attitude did not give significant influence toward digital payment usage intention (it give very low influence on digital payment usage intention). The result from multiple regression analysis R2 shows the result 0.481 which mean all of the factors that choose to analyze in this research influence as big as 48.2% toward usage intention.