Adoption of innovative mobile payment technologies in Indonesia: The role of attitude

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Financial service industries have experienced dynamic technological innovation. The research objective of this paper is to identify factors influencing the intentions of potential users to adopt the newly launched innovative mobile payment applications. This study proposes a theoretical framework based on the technology acceptance model (TAM). One hundred sixty-nine respondents were involved in this investigation, and the data were gathered using an online survey. The collected data were analyzed using the SEM technique. The findings reveal that users’ attitude has an essential role in mediating the impact of the benefit and trust on the intention to adopt a mobile payment technology. This study also shows different results from the previous studies regarding user perceptions of attitudes. The ease of use of innovative digital applications does not significantly affect attitudes.
Furthermore, an attitude positively impacts users’ intention to adopt innovative mobile payment applications. Therefore, user attitudes have an essential role in communicating the impact of the benefits derived from the intention to adopt an innovative mobile payment application. This study proves that innovative digital application providers need to pay attention to strategies for promoting their services. It is also vital for the providers to include the trust component in their service.

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    • Figure 1. Technology acceptance model
    • Figure 2. Research framework
    • Figure 3. Path diagram of T-values
    • Table 1. Summary of descriptive statistics
    • Conceptualization
      Murpin Josua Sembiring, Wahyudi Wibowo, Grace Citra Dewi
    • Data curation
      Murpin Josua Sembiring, Wahyudi Wibowo, Grace Citra Dewi
    • Formal Analysis
      Murpin Josua Sembiring, Wahyudi Wibowo, Grace Citra Dewi
    • Funding acquisition
      Murpin Josua Sembiring
    • Investigation
      Murpin Josua Sembiring, Grace Citra Dewi
    • Methodology
      Murpin Josua Sembiring, Grace Citra Dewi
    • Project administration
      Murpin Josua Sembiring, Wahyudi Wibowo
    • Resources
      Murpin Josua Sembiring, Wahyudi Wibowo
    • Supervision
      Murpin Josua Sembiring, Grace Citra Dewi
    • Validation
      Murpin Josua Sembiring, Wahyudi Wibowo
    • Visualization
      Murpin Josua Sembiring, Grace Citra Dewi
    • Writing – original draft
      Murpin Josua Sembiring, Wahyudi Wibowo, Grace Citra Dewi
    • Writing – review & editing
      Murpin Josua Sembiring, Wahyudi Wibowo, Grace Citra Dewi
    • Software
      Wahyudi Wibowo