Investigating Readiness Attitude Toward Using Mobile Payment Systems Through Technology Acceptance Model

Abstract

The development of mobile payments is in line with the increasing number of application developers making features that are easy to use. The readiness of users to use mobile payments in making transactions is the main thing, whether users trust the applications used in transactions. This study attempts to model a framework where the technology readiness index and the technology acceptance model are used. Respondents in the study were in Jakarta with a purposive sampling technique, amounting to 204. Data processing used SPSS and SmartPls 3.0 applications. The results of this study provide knowledge about the level of readiness in using the mobile payment application, giving rise to an attitude of optimism, but not from a security perspective. Users still feel that mobile payments are still not safe to make transactions online

Autonomous Vehicle Technology and Technology Acceptance: The Role of Technological Readiness on Consumers' Attitudes Towards Driverless Cars and Intention to Use in the Future

“…Later, the questions in the scale were developed, their numbers increased and detailed and the TRI2 scale was published in 2015 [29]. TRI basically consists of four main factors: optimism, innovativeness, discomfort, and insecurity [30,31]. It has been researched and found in many studies that these factors affect individuals' attitudes towards technology and their readiness to adopt new technologies.…”

“…A study was conducted by Moxley and Czaja (2022) [38] on older adults' decisions regarding the adoption of technology, and it was revealed that the optimism dimension in the technology readiness scale positively affects attitudes towards the adoption of technology. Similarly, Sani et al (2021) [30] investigated technology readiness attitudes towards using mobile payment systems. In this study, they used the Technology Acceptance Model (TAM) and found that optimism, along with other factors, significantly affects the intention to use mobile payment systems.…”

Perencanaan Strategi Perusahaan Dalam Menghaapi Persaingan Bisnis

“…Setidaknya terdapat tiga instrumen pembayaran non tunai, antara lain: paper-based: cek-bilyet giro dan nota debet, card-based: kartu kredit-kartu debet dan kartu ATM, electronic-based: e-commerce, e-money, internet banking dan mobile banking. Perkembangan menuju less cash society merupakan tren yang tidak dapat dihindari, perubahan tersebut antara lain didukung oleh perkembangan infrastruktur dan teknologi sistem pembayaran misalnya seperti kartu 'chip' (Arafat et al, 2020;Sani, Pusparini, Budiyantara, & Supit, 2023). PT.Swadharma Sarana Informatika untuk menghandel permasalahan jaringan pada data center milik Link Aja atau PT Fintek Karya Nusantara.…”