Understanding Millenials’ Intention to Use E-Money: A Study of Students’ University in Padang

Meuthia, Reno Fithri; Ananto, Rangga Putra; Afni, Zalida; Setiawan, llham

doi:10.4108/eai.1-11-2019.2294012

Cited by 1 publication

(1 citation statement)

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“…For example, in the case of online shopping, it was stated that shopping behavior online or through the internet was influenced by a person's attitude towards the shopping system [44,45] in the context of mobile banking adoption [46], use of non-cash systems [27], and adoption of smart home technology [47]. More specifically, it supports research carried out in the context of the use of electronic payments, mobile payments, the use of e-money, and similar topics [48,49].…”

Section: Model Evaluationmentioning

confidence: 85%

E-Money Payment: Customers’ Adopting Factors and the Implication for Open Innovation

Widayat

Masudin

Satiti

2020

Journal of Open Innovation: Technology, Market, and Complexity

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This investigation was carried out on the adoption of the e-money payment model with the application of a quantitative and qualitative approach (mixed methods). Online questionnaires, which included closed-ended questions on a Likert five-point scale and open-ended questions, were distributed through social media chat groups. Respondent samples were drawn from the population of adolescent customers in Indonesia. The collected questionnaires were verified for accuracy, reliability, and validity before the data were analyzed. Adequate data were used to test the relationship model between latent variables, and the relationship of latent variables in the model was tested using partial least squares by employing Smart-PLS 3.0 software and NVIVO 12 plus. The final analysis shows that the reasons for adopting e-money are practicality and convenience. The main reasons that customers adopt electronic money are its practicality, ease of use, efficient transaction time, faster payment, and the simplicity of the payment process. The final modeling formed good-fit inner and outer models. This model verifies the significant influence of social factors, effort expectancy, and facilitation conditions on e-money attitudes. Additionally, social factors, effort expectancy, and attitudes have a significant influence on e-money behavior.

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