The Acceptence of Electronic Payment Among Urban People An Empirical Study of The C-UTAUT-IRT Model

Purwanto, Edi and Sjarief, Rachman and Dawan, Anil and Kurniawan, Sarahnada and Pertiwi, Nawangwulan and Zahra, Nicky (2023) The Acceptence of Electronic Payment Among Urban People An Empirical Study of The C-UTAUT-IRT Model. Journal of Law and Sustainable Development, 11 (2). pp. 1-25. ISSN 2764-4170

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Official URL: https://doi.org/10.55908/sdgs.v11i2.559

Abstract

Purpose: This research focuses on adopting and using smartphone-based digital payment systems among Generation X and millennials in Jakarta, Tangerang, and South Tangerang, Indonesia. Combining UTAUT-IRT was used to investigate digital payment acceptance. Theoretical framework: This study examines the effect of the UTAUT and IRT factors on the behavior intention to use e-money and actual usage of e-money. Design/methodology/approach: The study utilizes a non-probability convenience sampling technique, with a sample size of 268 respondents. Data collection is conducted online through Google Forms. Structural Equation Modeling (SEM-PLS) using SmartPLS software is employed for data analysis. Findings: The research findings indicate that performance and effort expectancy do not significantly influence behavior intention among Generation X and millennials. However, social influence and facilitating conditions drive behavior intention among Generation X and millennials. Technology usage significantly influences behavior intention among millennials. In contrast, technology value influences behavior intention among Generation X. Traditional payment methods significantly impact behavior intention among Generation X but not among millennials. Technology risk and technology image do not significantly influence behavior intention in both groups. Behavior intention positively impacts actual usage among both Generation X and millennials. Research, Practical & Social implications: This research provides insights for policymakers, financial institutions, and e-money providers to understand the factors driving behavior intention towards e-money adoption among Generation X and millennials, suggesting targeted strategies to promote adoption and enhance the convenience and facilitating conditions for digital transactions, leading to increased financial inclusion and efficiency.

Item Type:	Artikel
Uncontrolled Keywords:	UTAUT model, IRT model, electronic money, technology acceptance.
Subjects:	H Social Sciences > HG Finance
Divisions:	Fakultas Humaniora dan Bisnis > Prodi Manajemen
Depositing User:	Admin Repository
Date Deposited:	15 Nov 2023 05:07
Last Modified:	15 Nov 2023 05:07
URI:	http://eprints.upj.ac.id/id/eprint/6977

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