scholarly journals A Study on the Influence of Customer Characteristics on Innovation Resistance and Intention to Use in Face Recognition Payment System

2021 ◽  
Vol 1 (3) ◽  
pp. 47-54
Author(s):  
Lin-Lin Zhang ◽  
◽  
Yi-Bo Zhang ◽  
Ha-Kyun Kim ◽  
◽  
...  
Keyword(s):  
Face Recognition ◽  
Payment System ◽  
Intention To Use

scholarly journals Mobile Payment Adoption in the Age of Digital Transformation: The Case of Apple Pay

2020 ◽  
Vol 12 (13) ◽  
pp. 5443 ◽  
Author(s):  
Francisco Liébana-Cabanillas ◽  
Inmaculada García-Maroto ◽  
Francisco Muñoz-Leiva ◽  
Iviane Ramos-de-Luna
Keyword(s):  
Structural Equation ◽  
Payment System ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Intention To Use ◽  
Online Questionnaire ◽  
Business World ◽  
Mobile Payments ◽  
Widespread Acceptance ◽  
Apple Pay

Current developments in information technology and communications, as well as the significant transformations the business world is being forced to make, are generating an opportunity for widespread acceptance of mobile payments. The present research analyzes the intention to use the Apple Pay mobile payment system, as well as contextualizing and evaluating the different antecedents of its use. To carry out the research, 539 users were invited to respond to an online questionnaire, and an analysis of structural equation modeling was used. The results indicate that perceived value is the variable that most influences the intention to use the proposed payment system, followed by perception of utility and risk. This work has important implications for companies in the sector.

Secured payment system using face recognition technique

2020 ◽  
Author(s):  
Arun Misra ◽  
Rahul Kumar Dev ◽  
Mr. M. Rajasekaran
Keyword(s):  
Face Recognition ◽  
Payment System ◽  
Recognition Technique

scholarly journals ANALISIS DETERMINAN NIAT MENGGUNAKAN E-MONEY DI KALANGAN MILLENNIALS DENGAN PENDEKATAN UTAUT

2020 ◽  
Vol 1 (1) ◽  
pp. 90
Author(s):  
Jovlin Evrodita Glady ◽  
Rinny Rantung
Keyword(s):  
Structural Equation Modeling ◽  
Structural Equation ◽  
Payment System ◽  
Primary Data ◽  
Equation Modeling ◽  
Intention To Use ◽  
Unified Theory ◽  
Performance Expectations ◽  
Facility Conditions ◽  
Use Of Technology

The development of science and technology has an impact on all aspects of life, especially in the payment system in Indonesia. This makes the banking industry improved the innovations in payment system, namely the electronic payment system or e-money. The purpose of this study is to analyze what factors influence millennial intention to use e-money using the Unified Theory of Acceptance and Use of Technology approach. The researcher used the Structural Equation Modeling approach using STATA software. Respondents in this study were 422 millennials. Data used in this study were primary data using a questionnaire, with googleform as a tool to collect data. Descriptive data of this study showed that 54% of the total 422 respondents did not use e-money, but 98% had intention to use e-money in the future. On the other hands the results of this study found that millennial intention to use e-money was significantly positively influenced by performance expectations, followed by business expectations, social influence, self-efficacy and security. Facility conditions are the only variable that does not significantly influence millennial intention to use e-money. Perkembangan ilmu pengetahuan dan teknologi berdampak pada semua aspek kehidupan, khususnya dalam sistem pembayaran yang ada di Indonesia. Hal ini membuat industri perbankan mengembangkan inovasi baru dalam sistem pembayaran, yaitu sistem pembayaran elektronik atau e-money. Tujuan dari penelitian ini adalah untuk menganalisa faktor-faktor apa saja yang mempengaruhi niat milenial untuk menggunakan e-money dengan pendekatan Unified Theory of Acceptance and Use of Technology. Peneliti menggunakan pendekatan Structural Equation Modeling dengan menggunakan perangkat lunak STATA. Responden dalam penelitian ini adalah generasi milenial sebanyak 422 responden dan data yang digunakan dalam penelitian ini adalah data primer dengan menggunakan kuesioner yang dibagikan melalui fasilitas google form sebagai alat untuk mengumpulkan data. Data deskriptif penelitian ini menunjukkan 54% dari total 422 responden belum menggunakan e-money, namun 98% memiliki niat menggunakan e-money di waktu mendatang. Di sisi lain hasil penelitian ini mendapati bahwa niat milenial untuk menggunakan e-money dipengaruhi secara positif signifikan oleh harapan kinerja, diikuti harapan usaha, pengaruh sosial, efikasi diri dan keamanan. Kondisi fasilitas merupakan satu-satunya variabel yang tidak berpengaruh secara signifikan terhadap niat milenial untuk menggunakan e-money.  

scholarly journals Factors Influencing Intention to Use SPayLater in Indonesia

2021 ◽  
Vol 8 (2) ◽  
pp. 285-294
Author(s):  
Rezki Orientani ◽  
Masmira Kurniawati
Keyword(s):  
Subjective Norm ◽  
Peer To Peer ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Personal Innovativeness ◽  
Technological Developments ◽  
Peer Lending

Payment instruments are part of technological developments. The existence of this development is utilized by finance companies such as peer-to-peer lending technology. Peer-to-peer lending in Indonesia continues to increase, one of the products of peer-to-peer lending companies is SPayLater which is a product of Shopee Indonesia and PT. Lentera Dana. This study provides an overview of the effect of perceived ease of use, perceived usefulness, perceived compatibility towards attitude toward using and perceived cost, subjective norm, personal innovativeness on intention to use. This study uses a quantitative method by distributing 250 online questionnaires to Shopee consumers. Data analysis was carried out using SEM and assisted by PLS 3 software. The results of this study indicate that perceived ease of use does not affect attitude toward using SPayLater payment system, perceived cost and personal innovativeness do not affect intention to use the SPayLater payment system, while perceived usefulness, perceived compatibility, attitude toward using and subjective norm affect the intention to use the SPayLater payment system.

scholarly journals Intention to Use Mobile Payment System by Ethnicity: A Partial Least Squares Multi-group Approach

2019 ◽  
Vol 9 (1) ◽  
Author(s):  
Kim-Lim Tan ◽  
◽  
Mumtaz Ali Memon ◽  
Pei-Lin Sim ◽  
Choi-Meng Leong ◽  
...  
Keyword(s):  
Least Squares ◽  
Partial Least Squares ◽  
Payment System ◽  
Mobile Payment ◽  
Intention To Use ◽  
Group Approach

scholarly journals Intention to Use Mobile Payment System: A Case of Developing Market by Ethnicity

2016 ◽  
Vol 224 ◽  
pp. 368-375 ◽  
Author(s):  
Hiram Ting ◽  
Yusman Yacob ◽  
Lona Liew ◽  
Wee Ming Lau
Keyword(s):  
Payment System ◽  
Mobile Payment ◽  
Intention To Use ◽  
System A

scholarly journals The Influence of Perceived Ease of Use on the Intention to Use Mobile Payment

2020 ◽  
Vol 3 (1) ◽  
pp. 18-32 ◽  
Author(s):  
Maggie Setiawan ◽  
Christina Yanita Setyawati
Keyword(s):  
Structural Equation ◽  
Payment System ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

The purpose of this research is to find out the influence of perceived ease of use, perceived ease of use, and attitude toward using on the intention to use mobile payment and the influence of perceived ease of use on the intention to use mobile payment through attitude toward using as mediation variable for traders at Taman Puspa Raya (TPR) market. Taman Puspa Raya Market (TPR) is used as an object in this research because there is a shift of payment system to the traders at the TPR market that causes the traders to have similarities in using fintech as payment system alternative. This research uses a quantitative method. The population in this research is 168 traders at the TPR market that using mobile payment as a payment alternative. The number of samples in this research is 45 respondents, and the response rate in is 100%. In this research, data analysis is done by Structural Equation Modeling Partial Least Square (SEM-PLS). The results of this research indicate that all hypotheses are accepted. These results indicate another support evidence for the theory of acceptance model (TAM). A suggestion to future researchers is to get closer to the traders before the study is made so that traders will be more proactive and willing to help in the process of filling out the questionnaire so that the data obtained is not biased. Suggestion for traders is traders can be more careful and double-check existing transactions by ensuring that the transaction is successful and there is a notification on the merchant's cellphone.

Decision Factors for the Adoption of an Online Payment System by Customers

2009 ◽  
pp. 352-383 ◽  
Author(s):  
Fang He
Keyword(s):  
Perceived Risk ◽  
Payment System ◽  
Operating Efficiency ◽  
Intention To Use ◽  
Decision Factors ◽  
Online Payment ◽  
Online Business ◽  
Per Se ◽  
Different Characteristics ◽  
The Impact

Along with the exponential increase in online business transactions, the online payment system has gained in popularity because vendors and creditors realize its growing importance as a foundation to improve their information infrastructure and to achieve “paperless” operating efficiency. However, due to per se different characteristics among customers and Web-systems, both sides’ perspectives and technology factors could cause a significant level of variation in customers’ acceptance of online payment methods. Our research involving 148 subjects who participated in a field survey examined the impact of a series of possible decision factors including perceived risk, perceived benefits, vendor’s system features, and customers’ characteristics on the intention to use an online payment system by customers. Some significant associations are observed and their implications are discussed.

scholarly journals Digital Financial Inclusion Sustainability in Jordanian Context

2021 ◽  
Vol 13 (11) ◽  
pp. 6312
Author(s):  
Abdalwali Lutfi ◽  
Manaf Al-Okaily ◽  
Malek Hamed Alshirah ◽  
Ahmad Farhan Alshira’h ◽  
Thaer Ahmad Abutaber ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Financial Inclusion ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Research Model ◽  
Financial Cost

Digital Financial Inclusion (DFI) refers to efforts to make digital financial services available and affordable to all individuals and institutions, regardless of their net expense or institution size and demographic location. Despite the immense benefits of DFI and DFI-based products and services such as mobile money and payment systems, users’ acceptance is thin, limited, and disappointing in some developing countries as Jordan. Consequently, this study has investigated the factors influencing the acceptance of the mobile payment system in the Jordanian context. This study’s research model synthesizes the Technology Acceptance Model (TAM) variables and extended the model with perceived financial cost as an independent variable. The research model has been empirically confirmed by fitting the model to data collected from 304 Jordanian citizens using a survey instrument. The data were analysed using Partial Least Squares-Structural Equation Modelling (PLS-SEM). The result has confirmed that behavioural intention to use the m-payment system is significantly and positively influenced by perceived usefulness and perceived financial cost; behavioural intention to use m-payment system was not found to be significantly and positively influenced by perceived ease of use and hence the related hypothesis was not supported. Finally, conclusions and recommendations are further discussed in the last section of this paper.

scholarly journals A Study on Users' Adoption of Electronic Payment System in India.

2021 ◽  
Vol 12 (6) ◽  
pp. 2642-2649
Author(s):  
Ghana Shyam Kafley, M. Chandrasekaran
Keyword(s):  
Banking Sector ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Electronic Payment ◽  
Perceived Ease Of Use ◽  
Payment Systems ◽  
Study Results ◽  
Commercial World

The traditional payment system has got its own limitation to adopt recent developments in the commercial world. The growth of Electronic payment systems is inevitable in the Indian industrial and business scenario. Digital India movement of Indian Government also focuses move towards E-Payment systems. Technology has immense contribution to the growth and development of the banking sector. There have been massive changes in the concept of banking after the digitalization of India's banking sector. Commercial banks in India are facilitating their customers to develop a convenient platform for E- Payment system. In this present study, the researcher studied the relationship between the seven factors technological factors, security, Trust, social influence, internet connectivity, Perceived ease of use, Perceived Usefulness, and Intention to use to measure the adoption of e-payment systems in Madurai district. The study results show that Trust, Perceived Usefulness, and perceived ease of use are statistically significant, indicating that this variable has a positive effect on Intention to use e-payment.

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