Investigating Consumer Acceptance of Mobile Payment Services in Indonesia

The exponential increase in smartphone and internet utilization in Indonesia offers immense potential for the uptake of mobile payment services. This article explores the critical factors driving the adoption of mobile payment services in the Indonesian context by establishing a conceptual model encompassing personal, technological, and social aspects. Additionally, the study examines potential differences in adoption behavior between male and female users. To achieve these objectives, an empirical survey was conducted, collecting 277 valid questionnaires from GoPay users in Indonesia. The proposed model was analyzed using the path analysis method to measure the relationships between variables. The results indicate that perceived usefulness, social influence, perceived need for minimalism, and security awareness are all crucial determinants of users' intentions to use the service. However, gender differences were found to have little moderating influence on the adoption process. This research offers a comprehensive framework for examining the key factors affecting technological acceptance, benefiting both academicians and practitioners by providing an integrated perspective on the factors influencing users' intentions to use mobile payment services.