Analysis of Factors on Continuance Intention in Mobile Payment DANA Using Structural Equation Modeling

Abstract

The increasing use of mobile payments in Indonesia has attracted many financial companies to make mobile payment services. This study uses the Structural Equation Modeling method to determine the relationship between mobility variables, customization, security, reputation, trust in the platform, and perceived risk that can affect the continuance intention of using the DANA application. Data was collected through the distribution of questionnaires with the coverage of the city of Balikpapan and got 415 respondents. After the analysis, it was found that trust is a factor that influences continuance intention. Four factors significantly affect trust: mobility, customization, security, and reputation. Where, mobility influences women's beliefs but does not significantly affect men. Customization has a greater influence on the beliefs of men than women. Security has a greater influence on women's trust than men. Reputation has a greater influence on men's trust than women. It can be concluded that trust has succeeded in being a mediator variable between mobility variables for women, customization, security, and reputation with continuance intention variables.