scholarly journals Factors Influencing the Adoption of Mobile Payment Method among Generation Z: the Extended UTAUT Approach

2021 ◽  
Vol 4 (1) ◽  
pp. 14-28
Author(s):  
Triasesiarta Nur ◽  
Rosinta Ria Panggabean
Keyword(s):  
Behavioral Intention ◽  
Partial Least Square ◽  
Least Square ◽  
Internet Technology ◽  
Mobile Payment ◽  
Utaut Model ◽  
Mobile Payments ◽  
Generation Z ◽  
Factors Influencing ◽  
The Way

Objective– Rapid advances in financial technology have tremendously changed both the way of life and the way of doing business over recent decades. The ubiquitous usage of the internet is fostering new forms of enterprise. Mobile payment is a new way to conveniently and effectively conduct financial transactions through digital platforms. This study analyzes the factors influencing the adoption of mobile payments as a method of payment utilized by Generation Z. Generation Z represents the successor of the generation of our society and the generation that interacts the most with internet technology. Design/methodology– Using the Extended Unified Theory of Acceptance and Use of Technology (UTAUT) model, this study sampled 100 respondents of Generation Z from Jakarta and surrounding areas (JABODETABEK) and further analyzed using the Partial Least Square-Structural Equation Model (PLS-SEM).  Results – The results show that factors relating to Performance Expectancy, Social Influences, Facilitating Condition, Perceived Enjoyment, and Trust significantly affect the Behavioral Intention to use mobile payments to conduct online transactions. Effort Expectancy shows no significant effect. Contribution – This study provided the evidence about the factors influencing the Generation Z’s intention behavior to adopt mobile payment technology as a tool in online purchasing, using the extended UTAUT model. This stems from extended UTAUT and applies it to explore how the Behavioral Intention of Generation Z in adopting mobile payment technology.

scholarly journals The UTAUT Model Analysis in the Technology Use of Generation-Z Users in Cambodia during COVID-19 Situation

2021 ◽  
Vol 04 (07) ◽  
Author(s):  
Ubonwan Suwannapusit ◽  
Keyword(s):  
Behavioral Intention ◽  
Technology Use ◽  
Structural Equation ◽  
Descriptive Analysis ◽  
Equation Model ◽  
Partial Least Square ◽  
Least Square ◽  
Factors Affecting ◽  
Utaut Model ◽  
Generation Z

Due to the widespread infection of the coronavirus (COVID-19) over the world, people were forced to stay at home, and technology has been increasingly used in communication, entertainment, and work. This research emphasized the study on the technology usage of Generation Z who are ready and highly skilled in using technology. The purpose of the study was to investigate the influence of key factors affecting the intended use and practical application of Generation Z technology in Cambodia during the COVID-19 pandemic. The researcher chose to use the UTAUT Model to test the research hypothesis. A questionnaire is a research tool used to collect data online. It was found that the sample size was 212 respondents. Descriptive analysis and the partial least square structural equation model (PLS-SEM) evaluation were performed. The results revealed that (1) most of the respondents were male, had under a bachelor’s degree, and monthly income was equal to or more than 312 US dollars, (2) the performance expectancy significantly influenced the behavioral intention, but effort expectancy, social influence, and facilitating conditions did not affect the behavioral intention of technology use, and (3) the behavioral intention to use technologies significantly influenced the actual use behavior during the covid-19 situation. This study suggests that technology organizations or businesses should pay attention to the potential benefits of technology for spurring the technology adoption and use of Generation Z people in Cambodia.

ANALISIS BIBLIOMETRIK PERKEMBANGAN PENELITIAN PENGGUNAAN PEMBAYARAN SELULER DENGAN VOSVIEWER

2021 ◽  
Vol 16 (1) ◽  
pp. 10-17
Author(s):  
Femmy Effendy ◽  
Vanessa Gaffar ◽  
Ratih Hurriyati ◽  
Heny Hendrayati
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Survey Methods ◽  
Equation Model ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Mobile Payment ◽  
Mobile Payments ◽  
Acceptance Model

This study examines trends in research developments with the topic of the use of mobile payments, e-wallets. The study aims to determine: (1) the development of the number of international publications on the use of mobile payments, w-wallets on the Scopus database from 2016-2020; (2) core journals in international publications on the use of mobile payment mobile payments, e-wallets (3) maps of development of international research publications in the field of use of mobile payment mobile payments, e-wallets based on keywords (co-word). The data was collected by searching through Scopus with the keywords mobile payment, mobile, payment, e-wallet, electronic swallow, with the categories article title, abstract, keywords in the period 2016-2020. Data in the form of number of publications per year, journals containing articles on mobile payment, mobile, payment, e-wallet, electronic swallow, and subjects were analyzed using Microsoft Excel. Meanwhile, the topic mapping trend was analyzed using the VosViewer software. The results showed that the highest growth in 2016-2020 indexed in Scopus occurred in 2020 which reached 82 publications (30.5%). Most international publications are published in IEE journals with 12 articles. The results show that the research topic of mobile payments or e-wallets is still dominated by the use of the Technology Acceptance Model (TAM) theory, Trust and perceived usefulness are still the most research variables, the choice of using survey methods, with Structural Equation Model analysis tools. (SEM) especially PLS (partial least square), is dominated geographically in research in developing countries. For further research, the authors suggest the need for additional keywords so that more research results are more accurate and comprehensive.

Impact of demonetization on diffusion of mobile payment service in India

2019 ◽  
Vol 16 (4) ◽  
pp. 472-497 ◽  
Author(s):  
Neharika Sobti
Keyword(s):  
Behavioral Intention ◽  
Perceived Risk ◽  
Partial Least Square ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Content Type ◽  
Utaut Model ◽  
Payment Services ◽  
Facilitating Conditions ◽  
The Impact

PurposeThe purpose of this paper is to explore the antecedents of the behavioral intention and adoption of mobile payment services like m-wallets and m-banking by users in India. This is done by examining the diffusion of mobile payment technology within an extended framework of the Unified Theory of Acceptance and Use of Technology (UTAUT) model. The study attempts to extend the UTAUT model further by introducing three more constructs, namely- perceived cost, perceived risk and demonetization effect and analyzes the impact of demonetization that happened in India from November 8, 2016 to December 30, 2016 on the mobile payment service adoption process. Demonetization event is a case in point to assess whether forced adoption breaks the normal diffusion process or lends support to the same in the long term.Design/methodology/approachA survey was conducted in order to gauge the intention behind the adoption of mobile payment modes by users in India. The questionnaire was administered online solely and 880 responses were received within a period of 20 days from February 3, 2017, to February 23, 2017, using Google Forms as a medium. Usable responses were 640. The study adopted partial least square based structural equation modeling (PLS-SEM) technique to analyze the relation between latent variables: performance expectation, effort expectation, social influence, facilitating conditions, perceived cost, perceived risk, demonetization effect, behavioral intention and usage. For this purpose, SmartPLS3.0 software was used to create path diagrams and calculate estimate the significance of factor loadings using the bootstrap technique.FindingsThe key results indicates that behavioral intention, demonetization and facilitating conditions have a positive and significant impact on the adoption of mobile payment services in India. Overall, Model 3, which was extended UTAUT model, was observed to be a better model in explaining the antecedents of behavioral intention and usage. In addition to UTAUT antecedents, perceived cost and perceived risk proved to have additional explanatory power as antecedents of behavioral intention. Age acts as a moderating variable consistently across three models, implying that younger users give more importance to effortless interface of mobile payment services and get more influenced by peers and society that shapes their intention to use mobile payment services.Originality/valueIt is first of its kind attempt to assess the role of Demonetization in examining the antecedents of behavioral intention and adoption of mobile payment services by users in India under an extended UTAUT model. This study comprehensively examined the impact of forced adoption of mobile payment services by users in India in a natural setting provided by demonetization event that took place in India by conducting a primary survey right itself in the month of February, 2017 to get first hand response from the Indian users.

scholarly journals The Technology Acceptance Model of Mobile Payment Usage on Generation Z

2020 ◽  
Vol 11 (3) ◽  
pp. 149-156
Author(s):  
Nerry Kristina ◽  
Ibnu Harris
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Data Privacy ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Generation Z ◽  
Acceptance Model

The research aimed to support Technology Acceptance Model (TAM) theories such as Perceived Ease of Use (PEOU), Security (SECU), Brand Loyalty (BL), Behavioural Intention (BI), and the marketing models, Electronic Word of Mouth (EWOM), on the use of mobile payments of the Generation Z. The researchers used the quantitative method. Using a non-probability sampling method with a convenience sampling technique, there were 100 respondents of Generation Z. The data were then analyzed using Structural Equation Modeling (SEM) with Partial Least Square (PLS). The results show that PEOU has no significant effect on BI. SECU and BL affect BI significantly. Then, BI has a significant impact on EWOM. It means that PEOU is not an important factor for Generation Z to use mobile payment. SECU and BL make the Generation Z continue to use mobile payment without worrying about data privacy issues because BL is embedded in their mind. As a result of BI, Generation Z will do marketing in the form of EWOM to their closest friends or relatives via social media.

scholarly journals THE ANALYSIS ON FACTORS INFLUENCING THE USE OF MOBILE PAYMENT SYSTEM AMONG GENERATION Z IN BEKASI CITY

2021 ◽  
Vol 3 (9) ◽  
pp. 334-348
Author(s):  
Zxavian Zebadia Simorangkir ◽  
Kurnia Fajar Afgani
Keyword(s):  
Social Influence ◽  
Behavioral Intention ◽  
Online Survey ◽  
Mobile Payment ◽  
Intention To Use ◽  
Mobile Payments ◽  
Generation Z ◽  
Perceived Security ◽  
Behavioral Intention To Use ◽  
The Impact

The topic of the factors that influence the usage of Mobile Payments is not to be overlooked, given the rise in the use of Mobile Payments in recent years. The goal of this study is to identify the factors that have a major impact on users' use of mobile payment instruments. The study was carried out with the help of an online survey questionnaire, which was distributed to 414 people. The impact of performance expectancy, effort expectancy, social influence, trust, and perceived security on the behavioral intention of mobile payment usage was investigated in this study. This study used a quantitative approach, with Generation Z as the unit of analysis, and the respondents from Bekasi as the target population. Two of the criteria have a significant relationship with the behavioral intention to use the mobile payment instrument, according to the research. Based on the result of this study, it can be seen that perceived security has the most influence on the behavioral intention to use mobile payment, followed by social influence.

Examining the Inter-relationships of UTAUT Constructs in Mobile Internet Use in India and Germany

2020 ◽  
Vol 18 (2) ◽  
pp. 36-48
Author(s):  
Jayanth Jacob ◽  
Murugan Pattusamy
Keyword(s):  
Behavioral Intention ◽  
Structural Equation ◽  
Mobile Internet ◽  
Partial Least Square ◽  
Least Square ◽  
Internet Technology ◽  
Hierarchical Regression ◽  
Future Research ◽  
Use Of Technology ◽  
Behavioral Intention To Use

The authors have tested the relationships between UTAUT constructs and the behavioral intention to use mobile internet technology with samples drawn from India and Germany. They have also tested the moderating role of age, gender, and user experience between UTAUT constructs and behavioral intention using hierarchical regression analysis. Partial Least Square Structural Equation Modelling (PLS SEM) was used to test the UTAUT without moderating effects. The results show that UTAUT constructs influence behavioral intention. Behavioral intention also predicts the use of technology. Empirical evidence was established for the UTAUT model based on the samples from both countries. “Experience of use” moderated the relationship between effort expectancy and behavioral intention in the Indian sample. The last section of the article discusses the contributions of this research to theory, its practical implications, limitations, and the scope for future research.

scholarly journals PENGARUH KEPERCAYAAN, KEGUNAAN, KEAMANAN TERHADAP MINAT MENGGUNAKAN MOBILE PAYMENT LINKAJA DENGAN KEMUDAHAN SEBAGAI VARIABLE MEDIASI

2021 ◽  
Vol 9 (2) ◽  
pp. 111-120
Author(s):  
Mala Kresisiana Utami
Keyword(s):  
Data Analysis ◽  
Mobile Application ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Least Square ◽  
Mobile Payment ◽  
Intention To Use ◽  
Purposive Sampling ◽  
Mobile Payments ◽  
Analysis Technique

ABSTRACT This study aims to determine and analyze the effect of trust, usefulness, security and convenience as a mediating variable on the intention to use LinkAja mobile payments. This research is a survey research, where the research instrument is a questionnaire. The population in this study were the users of the LinkAja mobile application among students in Yogyakarta. Data collection was carried out in January. A sample of 225 respondents who were determined by purposive sampling technique. The data analysis technique used Partial Least Square (PLS). The results of the study found that: Trust has a positive and significant effect on intention to use. Usefulness has a positive and significant effect on intention to use. Security has a positive and significant effect on intention to use. Ease has a positive and significant effect on intention to use. Trust has a positive and significant effect on intention to use through ease. Usefulness has a positive and significant effect on intention to use through ease. Security has a positive and significant effect on intention to use through ease. Key words: Trust, Usefulness, Security, Ease, And Intention to Use ABSTRAK Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kepercayaan, kegunaan, keamanan dan kemudahan sebagai variable mediasi terhadap minat menggunakan mobile payment LinkAja. Penelitian ini dikategorikan sebagai penelitian survei, dimana instrumen penelitian ini berupa kuesioner. Populasi dalam penelitian ini adalah pengguna aplikasi mobile LinkAja pada mahasiswa di Yogyakarta. Pengambilan data dilakukan pada bulan Januari. Sampel sebanyak 225 responden yang ditentukan dengan teknik purposive sampling. Teknik analisis data menggunakan Partial Least Square(PLS). Hasil penelitian menemukan bahwa:Kepercayaan berpengaruh positif dan signifikan terhadap minat menggunakan. Kegunaan berpengaruh positif dan signifikan terhadap minat menggunakan. Keamanan berpengaruh positif dan signifikan terhadap minat menggunakan. Kemudahan berpengaruh positif dan signifikan terhadap minat menggunakan. Kepercayaan berpengaruh positif dan signifikan terhadap minat menggunakan melalui kemudahan. Kegunaan berpengaruh positif dan signifikan terhadap minat menggunakan melalui kemudahan. Keamanan berpengaruh positif dan signifikan terhadap minat menggunakan melalui kemudahan. Kata kunci: Kepercayaan, Kegunaan, Keamanan, Kemudahan, dan Minat Menggunakan  

scholarly journals Analisis Faktor-faktor yang Mempengaruhi Penerimaan dan Penggunaan Mobile Payment pada Teknologi Pembayaran Gopay

Owner ◽  
2021 ◽  
Vol 5 (1) ◽  
pp. 229-239
Author(s):  
Wilbert Sinclair ◽  
Lailan Maulia ◽  
Tina Novianti Sitang
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Partial Least Square ◽  
Least Square ◽  
Security And Privacy ◽  
Survey Method ◽  
Mobile Payment ◽  
Online Questionnaire ◽  
Mobile Payments ◽  
Acceptance Model

This study aims to determine the factors that influence the acceptance and the use of mobile payments in GOPAY payment technology by integrating the Technology Acceptance Model (TAM) theory, mobile payment characteristics, trust and security, and privacy. The research method used is a survey method. The sample of this research is GOPAY users in the Faculty of Economics at Prima Indonesia University, with as many as 222 (two hundred and twenty-two) respondents through an online questionnaire. Data analysis using Smart Partial Least Square (PLS) 3.0. The results of this study can be concluded that the factors that influence the acceptance and the use of mobile payments on GOPAY payment technology are mobile payment characteristics, trust and security, and privacy which is not supported in this study. GOPAY has the characteristics of mobility, reachability, compatibility, and convenience. The characteristics of mobile payments are not supported because users cannot experience the benefits. Trust is not supported because not all users trust GOPAY, especially in the process of topping up balances and receiving cashback after making payment transactions. Security and privacy are not supported because users do not trust GOPAY regarding topping up balances, if the balance does not come in, they can contact the bank.

Factors Influencing Green Purchase Behavior among Young Consumers in Saudi Arabia

2020 ◽  
Vol 8 (1) ◽  
pp. 51-73
Author(s):  
Abdulalem Mohammed ◽  
Abdo Homaid ◽  
Wail Alaswadi
Keyword(s):  
Saudi Arabia ◽  
Peer Pressure ◽  
Partial Least Square ◽  
Least Square ◽  
Purchase Behavior ◽  
Self Identity ◽  
Factors Influencing ◽  
Purchasing Intention ◽  
Young Consumers ◽  
Green Purchasing

For environmental and business reasons, understanding the consumer behaviour of the young towards green products is very important. Therefore, the main purpose of this study is to investigate the factors influencing green product buying intention and behaviour among young consumers in Saudi Arabia. The study has developed a set of hypotheses utilising the theory of planned behaviour (TPB) as a guiding principle. They were tested based on data collected from 257 individuals through the use of the Partial Least Square (PLS) method. The findings showed that a culture of collectivism was the best way to predict the green purchasing intentions of young Saudis, followed by a willingness to pay, environmental self-identity and peer pressure. Additionally, purchasing intention is a major factor influencing actual green purchasing behaviour.

scholarly journals Generation XYZ’s Perception on Zakat Mal and Tax: The Planned Behavior Perspective

2019 ◽  
Vol 3 (3) ◽  
Author(s):  
Arfah Habib Saragih
Keyword(s):  
Planned Behavior ◽  
Behavioral Intention ◽  
Behavioral Control ◽  
Deep Understanding ◽  
Subjective Norm ◽  
Partial Least Square ◽  
Least Square ◽  
Descriptive Statistics ◽  
Actual Behavior ◽  
Descriptive Research

The research aims to apply the theory of planned behavior to predict respondents’ intention of offering zakat mal (wealth) and tax payment. The research brings questionnaires, aiming to generate a descriptive research. Technique of analysis being applied is the Partial Least Square (PLS) with SmartPLS software. The descriptive statistics shows that respondents have deep understanding between zakat mal and tax. In addition, the analysis using PLS reveals that attitude, subjective norm, and behavioral control influence one’s intention to pay zakat mal and tax, while behavioral intention affects actual behavior in paying the two. Keywords: zakat mal, tax, planned behavior 

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