Mobile wallet adoption model among digital immigration generation in Indonesia

IF 1.6 Q3 BUSINESS Journal of Eastern European and Central Asian Research Pub Date : 2023-11-05 DOI:10.15549/jeecar.v10i6.1499

Resa Nurlaela Anwar, Vanessa Gaffar, Disman Disman, Chairul Furqon, Yayah Sutisnawati

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Abstract

Fintech innovations such as mobile wallets (m-wallet) are reshaping the payment landscape, m-wallet users in Indonesia are relatively high, but there is a gap in the number of m-wallet users by age group. The highest number of m-wallet users, mostly the young generation, is based on age. The digital immigrant generation is another age group with the potential to increase but still needs to be higher in adoption. This research's primary objective is to determine the effect of m-wallet adoption in Indonesia. This study aimed to comprehend how consumers adopted m-wallets. Four hundred respondents categorized as digital immigrants in Indonesia were surveyed quantitatively using a cross-sectional study approach using Smart PLS 3.1, and Partial Least Square Structural Equation Modeling (PLS-SEM) was used to evaluate the obtained data. The findings showed that perceived behavioral intention is significantly influenced by Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Perceived Security (PS), and Perceived Trust (PT). Consumer Behavioral intention is also significantly influenced by m-wallet adoption by digital immigrants in Indonesia.

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印度尼西亚数字移民一代的移动钱包采用模式

移动钱包(m-wallet)等金融科技创新正在重塑支付格局，印度尼西亚的移动钱包用户相对较高，但不同年龄段的移动钱包用户数量存在差距。移动钱包用户的最大数量，主要是年轻一代，是基于年龄的。数字移民一代是另一个有增长潜力的年龄组，但仍然需要更高的采用率。本研究的主要目的是确定移动钱包在印度尼西亚的应用效果。这项研究旨在了解消费者是如何接受移动钱包的。使用Smart PLS 3.1的横断面研究方法对400名被归类为印度尼西亚数字移民的受访者进行了定量调查，并使用偏最小二乘结构方程模型(PLS- sem)来评估获得的数据。结果发现，感知有用性(PU)、感知易用性(PEOU)、感知安全性(PS)和感知信任(PT)显著影响感知行为意向。印度尼西亚数字移民对移动钱包的采用也显著影响了消费者的行为意向。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Eastern European and Central Asian Research Economics, Econometrics and Finance-Economics and Econometrics

CiteScore

2.50

自引率

43.80%

发文量

审稿时长

8 weeks

期刊介绍： Journal of Eastern European and Central Asian Research (JEECAR) is a multi-disciplinary journal related to the Eurasia regional economics, finance, management, marketing, international affairs, and other business-related disciplines. By Eastern Europe and Central Asia, the IEECA refers to Russia, Ukraine, Belarus, Moldova, Armenia, Azerbaijan, Estonia, Latvia, Lithuania, Poland, Slovakia, Hungary, Serbia, Montenegro, Bosnia and Herzegovina, Albania, Kosovo, Macedonia, and five post-Soviet Central Asian states: Kazakhstan, Kyrgyzstan, Tajikistan, Turkmenistan, and Uzbekistan. The JEECAR Journal is committed to the editorial principles of all aspects of publication ethics and publication malpractice as assigned by the Committee on Public Ethics. Any paper submitted to the journal must be original, previously unpublished, and currently not under consideration for publication elsewhere. All articles in the printed version of the journal are peer-reviewed. The review process is a double-blind process. Neither the authors nor the reviewers know who wrote or reviewed the article. Per standard practice, only the Editor assigned to handle a paper knows the identity of the authors and the reviewers.