AN ANALYSIS OF MOBILE PAYMENT BEHAVIOURAL INTENTION AND USE WITH AGE AND GENDER AS MODERATORS

• Main Author: Hanna Kamilah, Riyadita
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/40534
• Institution: Institut Teknologi Bandung

There is a shift of payment favourability in Indonesia, from cash to mobile payment which also followed by many companies developed their own mobile payment. However, the increasing of technology users do not actually translate to the acceptance of the majority. Furthermore, there is an influence of age and gender in technology acceptance. This paper aims to understand the factors that influence the use of mobile payment by modified the extended unified theory of acceptance and use of technology (UTAUT2) of Venkatesh, Thong, and Xu (2012) which consists of eight major factors, with age and gender as moderators. The model was tested with structural equation modelling-partial least square (SEM-PLS), in a quantitative study conducts in Indonesia’s big cities. The questionnaires were distributed through online platform which resulted in 621 valid answers out of 626. The results are factors, such as performance expectancy, habit, effort expectancy, and price value are found to have positive influence towards behavioural intention. While the use of behaviour are influenced by behavioural intention and habit. The strongest predictors for mobile payment acceptance is habit. The age and gender are found to have significant difference towards the relationship between habit to behavioural intention and price value to behavioural intention. Thus, the practitioners should pay attention to the factors in technology acceptance without neglecting the effect of customers’ gender and age when develop a mobile payment or penetrate new market. Additionally, there is an untapped market for mobile payment in Indonesia. Future research should consider the effect of age and gender on performance expectancy and effort expectancy as well as implement the stratified sampling since the convenience sampling has higher bias.