Consistency of Mobile Payment Usage, Performance, and Financial Inclusion

IF 2.6 Q1 ECONOMICS Entrepreneurial Business and Economics Review Pub Date : 2022-10-24 DOI:10.25105/ber.v22i2.14179

C. Dharmastuti, S. Pangestu, Teresia Angelia Kusumahadi

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Abstract

The development of financial technology impacts different human lives, including business processes. The public increasingly favors mobile payment as a fintech application because of its practicality, ease, and speed. In addition, its application could improve business performance and financial inclusion for business people. This study aims to analyze the consistency of mobile payment usage that will impact tenant performance and financial inclusion, influenced by perceived risk, perceived benefit (return), and brand image of mobile payment. The sample used in this study consisted of 338 respondents who are business people in the Jabodetabek area who use mobile payments.The results showed that perceived benefit and image influence business people to consistently use mobile payments in their business, which will impact business performance and increase their financial inclusion.The managerial implication for fintech companies is to maintain product quality and the benefits of mobile payments. People often ignore the risks of using mobile payments, so fintech companies mustmaintain their performances in terms of information, fraud, and speed of response to reduce consumer risks.

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移动支付使用、性能和普惠金融的一致性

金融技术的发展影响着不同的人类生活，包括业务流程。由于移动支付的实用性、易用性和速度快，公众越来越喜欢将其作为一种金融科技应用。此外，它的应用可以改善企业绩效和商业人士的金融包容性。本研究旨在分析受感知风险、感知收益(回报)和移动支付品牌形象影响的移动支付使用一致性对租户绩效和普惠金融的影响。本研究中使用的样本包括338名受访者，他们是Jabodetabek地区使用移动支付的商务人士。结果表明，感知利益和形象会影响商业人士在其业务中持续使用移动支付，这将影响业务绩效并增加其金融包容性。这对金融科技公司的管理意义在于保持产品质量和移动支付的好处。人们经常忽略使用移动支付的风险，因此金融科技公司必须在信息、欺诈和反应速度方面保持良好的表现，以降低消费者的风险。

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来源期刊

Entrepreneurial Business and Economics Review ECONOMICS-

CiteScore

7.20

自引率

7.90%

发文量

期刊介绍： Entrepreneurial Business and Economics Review (EBER), as multi-disciplinary and multi-contextual journal, is dedicated to serve as a broad and unified platform for revealing and spreading economics and management research focused on entrepreneurship, individual entrepreneurs as well as particular entrepreneurial aspects of business. It attempts to link theory and practice in different sections of economics and management by publishing various types of articles, including research papers, conceptual papers and literature reviews. Our geographical scope of interests include Central and Eastern Europe and emerging markets, however we also welcome articles beyond this scope. The Journal accept the articles from the following fields: -Entrepreneurship and Business Studies (in particular entrepreneurship and innovation, strategic entrepreneurship, corporate entrepreneurship, entrepreneurship methodology, new trends in HRM and HRD as well as organizational behaviour, entrepreneurial management, entrepreneurial business, management methodology, modern trends in business studies and organization theory, policies promoting entrepreneurship, innovation, R&D and SMEs, education for entrepreneurship), -International Business and Global Entrepreneurship (especially international entrepreneurship, European business, and new trends in international business, IB methodology), -International Economics and Applied Economics (in particular the role of entrepreneurship and the entrepreneur in economics, international economics including the economics of the European Union and emerging markets, as well as Europeanization, new trends in economics, economics methodology).