DEVELOPMENT OF THE TAM MODEL OF FACTORS THAT INFLUENCE THE ACCEPTANCE OF MOBILE PAYMENTS
STUDY ON MOBILE PAYMENT USERS IN MRT JAKARTA
Keywords:
Mobile Payment , MRT , Technology Acceptance Model (TAM), Jakarta Public Transport
Abstract
This study aims to develop a Technology Acceptance Model (TAM) specifically for Mobile Payment use in the public transportation environment, with a focus on users of the Jakarta MRT. The research examines the factors that influence acceptance of Mobile Payment in the city transportation context, using a quantitative survey approach of Jakarta MRT users. The study analyzed the factors underlying TAM, which includes perceived usefulness, perceived ease of use, as well as other variables that can influence Mobile Payment acceptance. The research findings will offer a deeper understanding of the determinants of Mobile Payment acceptance in public transportation and contribute to the existing literature applying the TAM model to Mobile Payment in Indonesia. The results of this study could serve as a basis for enhancing the efficiency and adoption rates of Mobile Payment systems among users of public transportation, particularly in the Jakarta MRT and other similar systems in the future.
References
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Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior And Human Decision Processes, 50, 179 – 211. https://doi.org/10.1016/0749-5978(91)90020-t
Anggraini, T.A.(2021). Analisis Pengaruh Gerakan Nasional Non Tunai (GNNT) Dan Suku Bunga Terhadap Inflasi Di Indonesia Periode 2009-2020. Jurnal Ilmiah Mahasiswa FEB, 9(2), 1 – 14.
Awa, H., Eze, S., Urieto, J. and Inyang, B. (2011). Upper echelon theory: a major determinant of information technology (IT) adoption by SMEs in Nigeria. Journal of Systems and Information Technology, 13(2), 144 – 162.https://doi.org/10.1108/13287261111135981
Awa, H.O., Ojiabo, O.U., & Emecheta, B.C. (2015). Integrating TAM, TPB and TOE frameworks and expanding their characteristic constructs for e-commerce adoption by SMEs. Journal of Science & Technology Policy Management, 6(1), 76-94, https://doi.org/10.1108/JSTPM-04-2014-0012
Bank Indonesia (2019). Blueprint Sistem Pembayaran Indonesia 2025. Jakarta: Bank Indonesia.
Bank Indonesia (2023). Apa Itu Elektronifikasi. Artikel dikutip tanggal 20 Januari 2023,https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/ritel/elektronifikasi/default.aspx
Bearden, W.O., Netemeyer, R.G., & Teel, J.E. (1989). Measurement of consumer susceptibility to interpersonal influence. Journal of Consumer Research, 15(4), 473–481. https://doi.org/10.1086/209186
Brown, S.A., Massey, A.P., Weiss, M.M.M., & Burkman, J.R. (2002). Do I really have to? User acceptance of mandated technology. European Journal of Information Systems, 11(4), 283–295. https://doi:10.1057/palgrave.ejis.3000438
Chen, C.K., Tsai, T.H., Lin, Y.C., Lin, C.C., Hsu, S.C., Chung, C.Y., Pei, Y.C., & Wong, A.M.K. (2018). Acceptance of different design exergames in elders. PLoS ONE, 13(7), e0200185. https://doi.org/10.1371/journal.pone.0200185
Davis, F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13, 319–340. https://doi.org/10.2307/249008
Davis,, F.D., Bagozzi, R.P. and Warshaw, P.R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003. doi:10.2307/2632151
Etikan, I., Musa, S. A., & Alkassim, R. S. (2016). Comparison of Convenience Sampling and Purposive Sampling. American Journal of Theoretical and Applied Statistics, 5(1), 1 – 4. https://doi.org/10.11648/j.ajtas.20160501.11
Fahad & Shahid, M. (2022). Exploring the determinants of adoption of Unified Payment Interface (UPI) in India: A study based on diffusion of innovation theory. Digital Business, 2(2), 100040. https://doi.org/10.1016/j.digbus.2022.100040
Faqih, K.M.S. (2022) Investigating The Adoption Of An Innovation Using An Extended Utaut Model: The Case Of Mobile Learning Technology. Journal of Theoretical and Applied Information Technology, 100(17), 5600 – 5631.
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Guner, H. & Acarturk, C. (2020). The use and acceptance of ICT by senior citizens: a comparison of technology acceptance model (TAM) for elderly and young adults. Universal Access in the Information Society, 19, 311–330. https://doi.org/10.1007/s10209-018-0642-4
Günthner, T. (2022). The moderating influence of life events on the acceptance of advanced driver assistance systems in aging societies. Computers in Human Behavior Reports, 7, 100202.https://doi.org/10.1016/j.chbr.2022.100202
Hanafizadeh, P., Behboudi, M., Koshksaray, A.A., & Tabar, M.J.S. (2014). Mobile-banking adoption by Iranian bank clients. Telematics and Informatics, 31(1), 62–78. https://doi:10.1016/j.tele.2012.11.001
Himel, M.T.A., Ashraf, S., Bappy, T.A., Abir, M,T., Morshed, M.K., & Hossain, M.N. (2021). Users’ attitude and intention to use mobile financial services in Bangladesh:an empirical study. South Asian Journal of Marketing, 2(1), 72 – 96.
https://DOI 10.1108/SAJM-02-2021-0015
Huang, C. (2017). Cognitive factors in predicting continued use of information systems with technology adoption models. Information Research, 22(2), 1 – 29.
Indrayani, L. & Djuniadi, S. R. (2017). Pengembangan Instrumen Penilaian Afektif Peminatan Peserta Didik SMA Negeri 1 Semarang. Journal of Educational Research and Evaluation, 6(1), 39 – 45.
Jaradat, M.I.R.M. & Faqih, K.M.S. (2014). Investigating the Moderating Effects of Gender and Self-Efficacy in the Context of Mobile Payment Adoption: A Developing Country Perspective. International Journal of Business and Management, 9(11), 147 – 169.
Jiménez, S.D.O., Castellanos, M.E.R., & Sun, G. (2018). Extension to the Technology Acceptance Model (TAM): for elderly. Systemics, Cybernetics And Informatics,16(5), 20 – 27.
Karahanna, E., Straub, D.W., & Chervany, N.L. (1999). Information technology adoption across time: A cross-sectional comparison of pre-adoption and post-adoption beliefs. MIS Quarterly, 23, 183–213.DOI:10.2307/249751
Kaur, P., Dhir, A., Bodhi, R., Singh, T., & Almotairi, M. (2020). Why do people use and recommend m-wallets?. Journal of Retailing and Consumer Services, 56, 102091. https://doi.org/10.1016/j.jretconser.2020.102091
Kulviwat, S., Bruner, G.C., & Al-Shuridah, O. (2009). The role of social influence on adoption of high tech innovations: The moderating effect of public/private consumption. Journal of Business Research 62, 706–712. https://doi:10.1016/j.jbusres.2007.04.014
Lai, P.C. (2017). The Literature Review Of Technology Adoption Models And Theories For The Novelty Technology. Journal of Information Systems and Technology Management, 14(1), 21 – 38. https://DOI: 10.4301/S1807-17752017000100002
Li, J., Ma, Q., Chan, A.H.S., & Man, S.S. (2019). Health monitoring through wearable technologies for older adults: Smart wearables acceptance model. Applied Ergonomics, 75, 162–169. https://doi:10.1016/j.apergo.2018.10.006
Lin, H.C., Chang, T.Y., & Kuo, S.H. (2018). Effects of social influence and system characteristics on traceable agriculture product reuse intention of elderly people: Integrating trust and attitude using the Technology Acceptance Model. Journal of Research in Education Sciences, 63(3):291-319, DOI:10.6209/JORIES.201809_63(3).0010
Liu, C.J., & Yang, S.C. (2014). Using the Technology Acceptance Model to Examine Seniors’ Attitudes toward Facebook. International Journal of Educational and Pedagogical Sciences, 8(6), 1012 – 1017.
Mahmudan, A. (2022). Survei: Kian Muda Generasi, Penetrasi Internet Makin Tinggi. Artikel dikutip tanggal 6 Januari 2023, https://dataindonesia.id/digital/detail/survei-kian-muda-generasi-penetrasi-internet-makin-tinggi.
Menzli, L.J., Smirani, L.K., Boulahi, J.A., & Hadjouni, M. (2022). Investigation of open educational resources adoption in higher education using Rogers’ diffusion of innovation theory. Heliyon, 8, e09885. https://doi.org/10.1016/j.heliyon.2022.e09885
Moghaddam, K.R. & Salehi, S. (2010). Agricultural specialists’ intention toward precision agriculture technologies: Integrating innovation characteristics to technology acceptance model. African Journal of Agricultural Research, 5(11), 1191-1199. DOI:10.5897/AJAR09.506
Moore, G.C. & Benbasat, I. (1991) Development of an instrument to measure the perceptions of adopting an information technology innovation. Information System Research, 2(3), 192–222. https://doi.org/10.1287/isre.2.3.192
Mou, J., Shin, D.H. & Cohen, J. (2017). Understanding trust and perceived usefulness in the consumer acceptance of an e-service: a longitudinal investigation. Behaviour & Information Technology, 36(2), 125 – 139. https://doi.org/10.1080/0144929X.2016.1203024
Pertami, N.P.A,P. & Sukaatmadja, I.P.G. (2021). The Role of User’s Attitude Mediating the Effect of Perceived Ease of use and Social Influence towards the Continuance usage Intention of TikTok. International Journal of Economics and Management Studies, 8(1), 98 – 104.
Prastiawan, I., Aisjah, S. & Rofiaty (2021) The Effect of Perceived Usefulness, Perceived Ease of Use, Social Influence on The Use of Mobile Banking through the Mediation of Attitude Towards Use. Asia-Pacific Management and Business Application, 9(3), 243 – 260.
Prima (2020). Indonesia Menuju Cashless Society. Artikel dikutip tanggal 16 Januari 2023, https://www.jaringanprima.co.id/id/indonesia-menuju-cashless-society.
Püschel, J., Mazzon, J.A., & Hernandez, J.M.C. (2010). Mobile banking: Proposition of an integrated adoption intention framework. International Journal of Bank Marketing, 28(5), 389 – 409. DOI:10.1108/02652321011064908
Riduwan & Kuncoro.(2012).Cara Menggunakan dan Memaknai Path Analysis (Analisis Jalur).Cetakan keempat.Bandung : Alfabeta.
Shin, D.H. (2010). Analysis of online social networks: A cross-national study. Online Information Review, 34(3), 473 – 495.
Simanjuntak, D. J., Sidharta, J., & Josephine, S. (2017). Perbandingan System Economic Order Quantity dan Sistem Just In Time terhadap Efisiensi Biaya Bahan Baku pada PT. Tricitra Agri Perdana. Fundamental Management Journal, 2(1), 51 – 62.
Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Cetakan ke 25. Bandung: CV Alfabeta.
Tarantang, J., Awwaliyah, A., Astuti, M., & Munawaroh, M. (2019). Perkembangan Sistem Pembayaran Digital Pada Era Revolusi Industri 4.0 Di Indonesia. Jurnal Al Qardh, 4(1), 60 – 78. https://doi.org/10.23971/jaq.v4i1.1442
Thaib, M., Nazar, R. & Putra, D. (2017). Penerapan CSR Pada Persepsi Mahasiswa Sebagai Pendukung CSR (CSR Support) Di Seluruh PTS Di Bandar Lampung. JURNAL Akuntansi & Keuangan, 8(1), 18 – 35.
Upadhyay, A.K., Khandelwal, K., Nandan, T., & Mishra, P, (2018). Sales technology usage: Modeling the role of support service, peer usage, perceived usefulness and attitude. Asia Pacific Journal of Marketing and Logistics, 30(1), 257 – 271 https://doi.org/10.1108/APJML-01-2017-0001
Usman, R. (2017). Karakteristik Uang Elektronik dalam Sistem Pembayaran. Yuridika, 32(1), 134 – 166. https://doi.org/10.20473/ydk.v32i1.4431
Venkatesh, V. & Davis, F.D. (2000). A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2),186 – 204. http://dx.doi.org/10.1287/mnsc.46.2.186.11926
Venkatesh, V., Brown, S. A., Maruping, L. M., & Bala, H. (2008). Predicting different conceptualizations of system use: The competing roles of behavioral intention, facilitating conditions, and behavioral expectation. MIS Quarterly, 32(3), 483 -- 502. DOI:10.2307/25148853
Wang, E.S.T. & Chou, N.P.Y. (2014). Consumer characteristics, social influence, and system factors on online group-buying repurchasing intention. Journal of Electronic Commerce Research, 15(2), 119 – 132.
Werner, P. (2004). Reasoned Action and Planned Behavior, in S.J. Peterson and T.S. Bredow (eds), Middle range Theories: Application to Nursing Research, Lippincott Williams and Wilkins, Philadelphia, 125 – 147.
Wijaya, H. & Apriwenni, P. (2016). Respon Nilai Perusahaan Terhadap Keputusan Pendanaan, Kebijakan Dividen, Keputusan Investasi, Profitabilitas Dan Manajemen Laba. Akuntansi Keuangan, 5(2), 138 – 152.
Yang, C.C., Yang, S.Y., and Chang, Y.C. (2023). Predicting Older Adults’ Mobile Payment Adoption: An Extended TAM Model, International Journal of Environmental Research and Public Health, 20, 1391. https://doi.org/10.3390/ijerph20021391
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Ajzen, I. & Fishbein, M. (1980), Understanding Attitudes and Predicting Social Behavior. Englewood Cliffs, New Jersey: Prentice-Hall.
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior And Human Decision Processes, 50, 179 – 211. https://doi.org/10.1016/0749-5978(91)90020-t
Anggraini, T.A.(2021). Analisis Pengaruh Gerakan Nasional Non Tunai (GNNT) Dan Suku Bunga Terhadap Inflasi Di Indonesia Periode 2009-2020. Jurnal Ilmiah Mahasiswa FEB, 9(2), 1 – 14.
Awa, H., Eze, S., Urieto, J. and Inyang, B. (2011). Upper echelon theory: a major determinant of information technology (IT) adoption by SMEs in Nigeria. Journal of Systems and Information Technology, 13(2), 144 – 162.https://doi.org/10.1108/13287261111135981
Awa, H.O., Ojiabo, O.U., & Emecheta, B.C. (2015). Integrating TAM, TPB and TOE frameworks and expanding their characteristic constructs for e-commerce adoption by SMEs. Journal of Science & Technology Policy Management, 6(1), 76-94, https://doi.org/10.1108/JSTPM-04-2014-0012
Bank Indonesia (2019). Blueprint Sistem Pembayaran Indonesia 2025. Jakarta: Bank Indonesia.
Bank Indonesia (2023). Apa Itu Elektronifikasi. Artikel dikutip tanggal 20 Januari 2023,https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/ritel/elektronifikasi/default.aspx
Bearden, W.O., Netemeyer, R.G., & Teel, J.E. (1989). Measurement of consumer susceptibility to interpersonal influence. Journal of Consumer Research, 15(4), 473–481. https://doi.org/10.1086/209186
Brown, S.A., Massey, A.P., Weiss, M.M.M., & Burkman, J.R. (2002). Do I really have to? User acceptance of mandated technology. European Journal of Information Systems, 11(4), 283–295. https://doi:10.1057/palgrave.ejis.3000438
Chen, C.K., Tsai, T.H., Lin, Y.C., Lin, C.C., Hsu, S.C., Chung, C.Y., Pei, Y.C., & Wong, A.M.K. (2018). Acceptance of different design exergames in elders. PLoS ONE, 13(7), e0200185. https://doi.org/10.1371/journal.pone.0200185
Davis, F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13, 319–340. https://doi.org/10.2307/249008
Davis,, F.D., Bagozzi, R.P. and Warshaw, P.R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003. doi:10.2307/2632151
Etikan, I., Musa, S. A., & Alkassim, R. S. (2016). Comparison of Convenience Sampling and Purposive Sampling. American Journal of Theoretical and Applied Statistics, 5(1), 1 – 4. https://doi.org/10.11648/j.ajtas.20160501.11
Fahad & Shahid, M. (2022). Exploring the determinants of adoption of Unified Payment Interface (UPI) in India: A study based on diffusion of innovation theory. Digital Business, 2(2), 100040. https://doi.org/10.1016/j.digbus.2022.100040
Faqih, K.M.S. (2022) Investigating The Adoption Of An Innovation Using An Extended Utaut Model: The Case Of Mobile Learning Technology. Journal of Theoretical and Applied Information Technology, 100(17), 5600 – 5631.
Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention, and behavior: An introduction to theory and research. Reading, Mass; Don Mills, Ontario: Addison-Wesley Pub. Co.
Guner, H. & Acarturk, C. (2020). The use and acceptance of ICT by senior citizens: a comparison of technology acceptance model (TAM) for elderly and young adults. Universal Access in the Information Society, 19, 311–330. https://doi.org/10.1007/s10209-018-0642-4
Günthner, T. (2022). The moderating influence of life events on the acceptance of advanced driver assistance systems in aging societies. Computers in Human Behavior Reports, 7, 100202.https://doi.org/10.1016/j.chbr.2022.100202
Hanafizadeh, P., Behboudi, M., Koshksaray, A.A., & Tabar, M.J.S. (2014). Mobile-banking adoption by Iranian bank clients. Telematics and Informatics, 31(1), 62–78. https://doi:10.1016/j.tele.2012.11.001
Himel, M.T.A., Ashraf, S., Bappy, T.A., Abir, M,T., Morshed, M.K., & Hossain, M.N. (2021). Users’ attitude and intention to use mobile financial services in Bangladesh:an empirical study. South Asian Journal of Marketing, 2(1), 72 – 96.
https://DOI 10.1108/SAJM-02-2021-0015
Huang, C. (2017). Cognitive factors in predicting continued use of information systems with technology adoption models. Information Research, 22(2), 1 – 29.
Indrayani, L. & Djuniadi, S. R. (2017). Pengembangan Instrumen Penilaian Afektif Peminatan Peserta Didik SMA Negeri 1 Semarang. Journal of Educational Research and Evaluation, 6(1), 39 – 45.
Jaradat, M.I.R.M. & Faqih, K.M.S. (2014). Investigating the Moderating Effects of Gender and Self-Efficacy in the Context of Mobile Payment Adoption: A Developing Country Perspective. International Journal of Business and Management, 9(11), 147 – 169.
Jiménez, S.D.O., Castellanos, M.E.R., & Sun, G. (2018). Extension to the Technology Acceptance Model (TAM): for elderly. Systemics, Cybernetics And Informatics,16(5), 20 – 27.
Karahanna, E., Straub, D.W., & Chervany, N.L. (1999). Information technology adoption across time: A cross-sectional comparison of pre-adoption and post-adoption beliefs. MIS Quarterly, 23, 183–213.DOI:10.2307/249751
Kaur, P., Dhir, A., Bodhi, R., Singh, T., & Almotairi, M. (2020). Why do people use and recommend m-wallets?. Journal of Retailing and Consumer Services, 56, 102091. https://doi.org/10.1016/j.jretconser.2020.102091
Kulviwat, S., Bruner, G.C., & Al-Shuridah, O. (2009). The role of social influence on adoption of high tech innovations: The moderating effect of public/private consumption. Journal of Business Research 62, 706–712. https://doi:10.1016/j.jbusres.2007.04.014
Lai, P.C. (2017). The Literature Review Of Technology Adoption Models And Theories For The Novelty Technology. Journal of Information Systems and Technology Management, 14(1), 21 – 38. https://DOI: 10.4301/S1807-17752017000100002
Li, J., Ma, Q., Chan, A.H.S., & Man, S.S. (2019). Health monitoring through wearable technologies for older adults: Smart wearables acceptance model. Applied Ergonomics, 75, 162–169. https://doi:10.1016/j.apergo.2018.10.006
Lin, H.C., Chang, T.Y., & Kuo, S.H. (2018). Effects of social influence and system characteristics on traceable agriculture product reuse intention of elderly people: Integrating trust and attitude using the Technology Acceptance Model. Journal of Research in Education Sciences, 63(3):291-319, DOI:10.6209/JORIES.201809_63(3).0010
Liu, C.J., & Yang, S.C. (2014). Using the Technology Acceptance Model to Examine Seniors’ Attitudes toward Facebook. International Journal of Educational and Pedagogical Sciences, 8(6), 1012 – 1017.
Mahmudan, A. (2022). Survei: Kian Muda Generasi, Penetrasi Internet Makin Tinggi. Artikel dikutip tanggal 6 Januari 2023, https://dataindonesia.id/digital/detail/survei-kian-muda-generasi-penetrasi-internet-makin-tinggi.
Menzli, L.J., Smirani, L.K., Boulahi, J.A., & Hadjouni, M. (2022). Investigation of open educational resources adoption in higher education using Rogers’ diffusion of innovation theory. Heliyon, 8, e09885. https://doi.org/10.1016/j.heliyon.2022.e09885
Moghaddam, K.R. & Salehi, S. (2010). Agricultural specialists’ intention toward precision agriculture technologies: Integrating innovation characteristics to technology acceptance model. African Journal of Agricultural Research, 5(11), 1191-1199. DOI:10.5897/AJAR09.506
Moore, G.C. & Benbasat, I. (1991) Development of an instrument to measure the perceptions of adopting an information technology innovation. Information System Research, 2(3), 192–222. https://doi.org/10.1287/isre.2.3.192
Mou, J., Shin, D.H. & Cohen, J. (2017). Understanding trust and perceived usefulness in the consumer acceptance of an e-service: a longitudinal investigation. Behaviour & Information Technology, 36(2), 125 – 139. https://doi.org/10.1080/0144929X.2016.1203024
Pertami, N.P.A,P. & Sukaatmadja, I.P.G. (2021). The Role of User’s Attitude Mediating the Effect of Perceived Ease of use and Social Influence towards the Continuance usage Intention of TikTok. International Journal of Economics and Management Studies, 8(1), 98 – 104.
Prastiawan, I., Aisjah, S. & Rofiaty (2021) The Effect of Perceived Usefulness, Perceived Ease of Use, Social Influence on The Use of Mobile Banking through the Mediation of Attitude Towards Use. Asia-Pacific Management and Business Application, 9(3), 243 – 260.
Prima (2020). Indonesia Menuju Cashless Society. Artikel dikutip tanggal 16 Januari 2023, https://www.jaringanprima.co.id/id/indonesia-menuju-cashless-society.
Püschel, J., Mazzon, J.A., & Hernandez, J.M.C. (2010). Mobile banking: Proposition of an integrated adoption intention framework. International Journal of Bank Marketing, 28(5), 389 – 409. DOI:10.1108/02652321011064908
Riduwan & Kuncoro.(2012).Cara Menggunakan dan Memaknai Path Analysis (Analisis Jalur).Cetakan keempat.Bandung : Alfabeta.
Shin, D.H. (2010). Analysis of online social networks: A cross-national study. Online Information Review, 34(3), 473 – 495.
Simanjuntak, D. J., Sidharta, J., & Josephine, S. (2017). Perbandingan System Economic Order Quantity dan Sistem Just In Time terhadap Efisiensi Biaya Bahan Baku pada PT. Tricitra Agri Perdana. Fundamental Management Journal, 2(1), 51 – 62.
Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Cetakan ke 25. Bandung: CV Alfabeta.
Tarantang, J., Awwaliyah, A., Astuti, M., & Munawaroh, M. (2019). Perkembangan Sistem Pembayaran Digital Pada Era Revolusi Industri 4.0 Di Indonesia. Jurnal Al Qardh, 4(1), 60 – 78. https://doi.org/10.23971/jaq.v4i1.1442
Thaib, M., Nazar, R. & Putra, D. (2017). Penerapan CSR Pada Persepsi Mahasiswa Sebagai Pendukung CSR (CSR Support) Di Seluruh PTS Di Bandar Lampung. JURNAL Akuntansi & Keuangan, 8(1), 18 – 35.
Upadhyay, A.K., Khandelwal, K., Nandan, T., & Mishra, P, (2018). Sales technology usage: Modeling the role of support service, peer usage, perceived usefulness and attitude. Asia Pacific Journal of Marketing and Logistics, 30(1), 257 – 271 https://doi.org/10.1108/APJML-01-2017-0001
Usman, R. (2017). Karakteristik Uang Elektronik dalam Sistem Pembayaran. Yuridika, 32(1), 134 – 166. https://doi.org/10.20473/ydk.v32i1.4431
Venkatesh, V. & Davis, F.D. (2000). A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2),186 – 204. http://dx.doi.org/10.1287/mnsc.46.2.186.11926
Venkatesh, V., Brown, S. A., Maruping, L. M., & Bala, H. (2008). Predicting different conceptualizations of system use: The competing roles of behavioral intention, facilitating conditions, and behavioral expectation. MIS Quarterly, 32(3), 483 -- 502. DOI:10.2307/25148853
Wang, E.S.T. & Chou, N.P.Y. (2014). Consumer characteristics, social influence, and system factors on online group-buying repurchasing intention. Journal of Electronic Commerce Research, 15(2), 119 – 132.
Werner, P. (2004). Reasoned Action and Planned Behavior, in S.J. Peterson and T.S. Bredow (eds), Middle range Theories: Application to Nursing Research, Lippincott Williams and Wilkins, Philadelphia, 125 – 147.
Wijaya, H. & Apriwenni, P. (2016). Respon Nilai Perusahaan Terhadap Keputusan Pendanaan, Kebijakan Dividen, Keputusan Investasi, Profitabilitas Dan Manajemen Laba. Akuntansi Keuangan, 5(2), 138 – 152.
Yang, C.C., Yang, S.Y., and Chang, Y.C. (2023). Predicting Older Adults’ Mobile Payment Adoption: An Extended TAM Model, International Journal of Environmental Research and Public Health, 20, 1391. https://doi.org/10.3390/ijerph20021391
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Published
2024-05-05
How to Cite
Berisca, A., Clive, S., Hardani, J., & Hutabarat, A. (2024). DEVELOPMENT OF THE TAM MODEL OF FACTORS THAT INFLUENCE THE ACCEPTANCE OF MOBILE PAYMENTS. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 8(2), 42-66. https://doi.org/10.31955/mea.v8i2.3967
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Articles
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