Kemudahan penggunaan, facilitating condition, keamanan teknologi dan compatibility terhadap niat menggunakan pembayaran mobile di Indonesia

Abstract

This study aims to examine ease of use, facilitating conditions, technology security and compatibility on attitude and examine its impact on intention to use mobile payment in the pandemic Covid-19 era. This study uses a quantitative approach and survey methods in data collection process. The population of this study are individuals who use mobile payment during the Covid-19 pandemic in Indonesia, especially Gopay, Dana, OVO, LinkAja and Shopeepay users. The sample in this study was taken using purposive sampling technique. We obtained 290 respondents and analyzed by using partial leans square structural equation modeling (PLS-SEM). The results showed that ease of use, facilitating conditions and compatibility had a positive and significant effect on attitudes. Attitudes had a positive and significant effect on the intention to use mobile payment. This study did not find a significant effect of technology security on attitudes.

Mobile Payment Satisfaction Post Pandemic Covid-19 in Indonesia

“…The assumption is that if the user believes that the system is useful, then they will use it, but on the other hand, if they don't believe that it is useful, the answer will definitely not use it perceived ease of use is the degree to which a person believes that if he uses a certain system, the user will be free from tiring effort or effort (Ajzen and Fishbein, 2007). Ease of use is a condition where consumers can use technology easily without spending a lot of sacrifices (Huddin and Masitoh, 2021). Consumers tend to be more interested in using a technology when they feel that its use is easy and does not require costs but gets maximum benefits.…”

“…TAM is one of the models built to analyze and understand the factors driving someone to adopt a technology that emphasizes the importance of benefits example usability and ease of use (Ajze and Fishbein, 2007). Previous research has shown that the intention to use a mobile payment system is influenced by external factors focusing on the readiness to adopt a mobile payment system (ease of use, facilitating conditions, technology security) and lifestyle (compatibility) in determining the intention to use the system (Huddin et al, 2021). Meanwhile research that reaches consumer satisfaction is still very rarely found.…”

“…Research on the intention in using a technology is usually driven for economic reasons such as usability, ease of use (Huddin and Masitoh, 2021), security, privacy, risk (De Luna et al, 2019), performance expectancy, effort expectancy, social influence, facilitating conditions, compatibility (Huddin et al, 2021 andPatil et al, 2020). However, the recent research only discuss about the intent and has not examined user satisfaction.…”