The Influence of Perceived Security and Perceived Enjoyment on Intention To Use with Attitude Towards Use as Intervening Variable on Mobile Payment Customer in Surabaya
DOI:
https://doi.org/10.9744/ijbs.3.1.37-46Keywords:
Perceived Security, Perceived Enjoyment, Attitude Toward Use, Intention To Use, Mobile PaymentAbstract
This study aims to determine the effect of perceived security and perceived enjoyment as moderated variable on intention to use mobile payment, either directly or through mediation of attitude towards use. The method used in this study is quantitative by spreading the questionnaires to 211 respondents of mobile payment application users both online and offline in Surabaya. The selection of this research sample used a judgment sampling technique with criteria determined by the researcher. The data was analyzed with Structural Equation Modeling (SEM), SmartPLS tools. The questionnaire collected was 192 questionnaires. The results show that perceived security and perceived enjoyment have a significant directly influence on intention to use and indirectly through mediating attitudes to use mobile payment. In addition, it was found that perceived enjoyment variable moderated the relationship between perceived security and attitudes to use but did not moderate the relationship between perceived security and intention to use.
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Teo, T., & Zhou, M. (2014). Explaining the intention to use technology among university students: A structural equation modeling approach. Journal of Computing in Higher Education, 26(2), 124–142.
Tsiakis, T. (2012). Consumers’ issues and concerns of perceived risk of information security in online framework . The marketing strategies. Social and Behavioral Sciences, 62, 1265–1270.
Van der Heijden, H., & Verhagen, T. (2004). Online store image: Conceptual foundations and empirical measurement. Information and Management, 41(5), 609–617.
Vejačka, M., & Štofa, T. (2017). Influence of security and trust on electronic banking adoption in Slovakia. Economics and Management, 20(4), 135–150.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use Of Technology. MIS Quarterly, 36(1), 157–178.
Wang, H. M., & Idertsog, B. (2015). A Study on User ’ s Intention of Using Mobile Payments. International Journal of Sciences: Basic and Applied Research (IJSBAR), 24(6), 433–449.
Yousafzai, S. Y., Pallister, J. G., & Foxall, G. R. (2003). A proposed model of e-trust for electronic banking. Technovation, 23(11), 847–860.
Akturan, U., & Tezcan, N. (2012). Mobile banking adoption of the youth market: Perceptions and intentions. Marketing Intelligence and Planning, 30(4), 444–459.
Ally, M., & Toleman, M. (2005). A Framework for Assessing Payment Security Mechanisms and Security Information on e-Commerce Web Sites. Pacific Asia Conference on Information Systems, 1216–1231.
Amoroso, D. L., & Watanabe, R. M. (2012). Building a research model for mobile wallet consumer adoption: The case of mobile Suica in Japan. Journal of Theoretical and Applied Electronic Commerce Research, 7(1), 94–110.
Bauer, H. H., Reichardt, T., Barnes, S. J., & Neumann, M. M. (2005). Driving Consumer Acceptance Of Mobile Marketing: A Theoretical Framework And Empirical Study, 6(3), 181–192.
Bezhovski, Z. (2016). The Future of the Mobile Payment as Electronic Payment System, 8(8), 127–132.
Cabanillas, F. L., Lunaa, I. R. de, & Ríos, F. M. (2017). Intention to use new mobile payment systems: a comparative analysis of SMS and NFC payments. Economic Research-Ekonomska Istraživanja, 30(01), 892–910.
Cobanoglu, C., Yang, W., Shatskikh, A., & Agarwal, A. (2015). Are Consumers Ready for Mobile Payment? An Examination of Consumer Acceptance of Mobile Payment Technology in Restaurant Industry. Hospitality Review, 31(4).
Dahlberg, T., Mallat, N., Ondrus, J., & Zmijewska, A. (2008). Past, present and future of mobile payments research: A literature review. Electronic Commerce Research and Applications, 7(2), 165–181.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1992). Extrinsic and Intrinsic Motivation to Use Computers in the Workplace. Journal of Applied Social Psychology, 22(14), 1111–1132.
Ernst, C. P. H. (2015). Risk hurts fun: The influence of perceived privacy risk on social network site usage. Factors Driving Social Network Site Usage, 45–56.
Hartono, E., Holsapple, C. W., Kim, K. Y., Na, K. S., & Simpson, J. T. (2014). Measuring perceived security in B2C electronic commerce website usage: A respecification and validation. Decision Support Systems, 62, 11–21.
Heijden, H. van der. (2004). User Acceptance of Hedonic Systems. MIS Quarterly, 28(4), 695–704.
Huang, R. (2017). Devising a Research Model to Examine Adoption of Mobile Commerce Affected by Huxiang Culture. International Conference on Social Science and Management, 3, 540–545.
Kim, Y., Choi, J., Park, Y. J., & Yeon, J. (2016). The Adoption of Mobile Payment Services for “Fintech” Yonghee. International Journal of Applied Engineering Research, 11(2), 1058–1061.
Kujala, S., Mugge, R., & Miron-Shatz, T. (2017). The role of expectations in service evaluation: A longitudinal study of a proximity mobile payment service. International Journal of Human Computer Studies, 98(February 2016), 51–61.
Lee, H. H., & Chang, E. (2011). Consumer Attitudes Toward Online Mass Customization: An Application of Extended Technology Acceptance Model. Journal of Computer-Mediated Communication, 16(2), 171–200.
Lu, Y., Yang, S., Chau, P. Y. K., & Cao, Y. (2011). Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective. Information and Management, 48(8), 393–403.
Luna, I. R. de, Ríos, F. M., Cabanillas, F. L., & Luna, J. G. de. (2016). NFC technology acceptance for mobile payments : A Brazilian Perspective. Review of Business Management, 19(63), 82–103.
Lwin, M., Wirtz, J., & Williams, J. D. (2007). Consumer online privacy concerns and responses: A power–responsibility equilibrium perspective. Journal of the Academy of Marketing Science, 35(4), 572–585.
Maksiyanova, T. V. (2012). Innovative changes in the Russian economy under the influence of internet economy formation and development. World Applied Sciences Journal, 20(9), 1307–1312.
Mallat, N. (2007). Exploring consumer adoption of mobile payments – A qualitative study. The Journal of Strategic Information Systems, 16(4), 413–432.
Meharia, P. (2012). Payment System and Its Effects on Its ’ Use : Accounting and Management Information Systems, 11(1), 97–111.
Nysveen, H., Pedersen, P. E., & Thorbjørnsen, H. (2005). Intentions to use mobile services: Antecedents and cross-service comparisons. Journal of the Academy of Marketing Science, 33(3), 330–346.
Peng, R., Xiong, L., & Yang, Z. (2012). Exploring tourist adoption of tourism mobile payment: An empirical analysis. Journal of Theoretical and Applied Electronic Commerce Research, 7(1), 21–33.
Pousttchi, K. (2003). Conditions for Acceptance and Usage of Mobile Payment Procedures. MBusiness 2003 - The Second International Conference on Mobile Business., (May), 201–210.
Praveena, K., & Thomas, S. (2014). Continuance Intention to Use Facebook: A Study of Perceived Enjoyment and TAM. Bonfring International Journal of Industrial Engineering and Management Science, 4(1), 24–29.
Saksonova, S., & Merlino, I. K. (2017). Fintech as Financial Innovation – The Possibilities and Problems of Implementation. European Research Studies Journal, 20(3), 961–9731.
Schierz, P. G., Schilke, O., & Wirtz, B. W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209–216.
Sekaran, U. (2013). Research Methods For Business. United States of America: John Wiley & Sons.
Sun, H., & Zhang, P. (2006). Causal Relationships between Perceived Enjoyment and Perceived Ease of Use: An Alternative Approach. Journal of the Association for Information Systems, 7(9), 618–645.
Teo, T., & Zhou, M. (2014). Explaining the intention to use technology among university students: A structural equation modeling approach. Journal of Computing in Higher Education, 26(2), 124–142.
Tsiakis, T. (2012). Consumers’ issues and concerns of perceived risk of information security in online framework . The marketing strategies. Social and Behavioral Sciences, 62, 1265–1270.
Van der Heijden, H., & Verhagen, T. (2004). Online store image: Conceptual foundations and empirical measurement. Information and Management, 41(5), 609–617.
Vejačka, M., & Štofa, T. (2017). Influence of security and trust on electronic banking adoption in Slovakia. Economics and Management, 20(4), 135–150.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use Of Technology. MIS Quarterly, 36(1), 157–178.
Wang, H. M., & Idertsog, B. (2015). A Study on User ’ s Intention of Using Mobile Payments. International Journal of Sciences: Basic and Applied Research (IJSBAR), 24(6), 433–449.
Yousafzai, S. Y., Pallister, J. G., & Foxall, G. R. (2003). A proposed model of e-trust for electronic banking. Technovation, 23(11), 847–860.
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2020-05-19
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Petra IJBS (e-ISSN: 2621-6426) is published by Master of Management program, School of Business and Management, Petra Christian University, Indonesia (MM SBM PCU).
