AN ANALYSIS OF FACTORS AFFECTING THE INTENTION TO USE MOBILE PAYMENT SERVICE IN INDONESIA

Abstract

Purpose: The purpose of this research is to investigate the mobile-convenience, compatibility, product knowledge, perceived ease of use, perceived usefulness, trustsafe to use factors affecting the intention to use mobile payment service in Indonesia. Design/Method: Quantitative research was conducted by using an online survey as the instrument, and distributed through social media and instant messaging. The research sample consisted of 248 Indonesian respondents who aware of and ever used mobile payment services. A validity and reliability test were conducted by using statistical software, as well as model-fit and hypothesis testing which was analyzed by using SEM. Findings: This research resulted that mobile-convenience significantly influences perceived ease of use and perceived usefulness, compatibility and product knowledge significantly influence ease of use, and product knowledge has impacts on perceived ease of use and perceived usefulness, while trust-safe to use also has influence towards perceived usefulness. Perceived ease of use and perceived usefulness influence intention to use, meanwhile compatibility, trust-safe to use, and perceived ease of use do not influence perceived usefulness. Among of them, mobile-convenience has the most significant impact towards perceived ease of use and perceived usefulness. Originality/Value: This research is replicating the previous studies’ framework to investigate the mobile-convenience, compatibility, product knowledge, perceived ease of use, perceived usefulness, trust-safe to use factors affecting the intention to use xxi mobile payment services in Indonesia. Therefore, the researcher differentiates this research by conduct it towards people that lived in Indonesia.