scholarly journals ANALISIS PENGUKURAN MINAT PENGGUNA APLIKASI PAYTREN DALAM PENGGUNAAN MOBILE PAYMENT DI ACEH

2021 ◽  
Vol 7 (1) ◽  
pp. 45-65
Author(s):  
Evayani Evayani ◽  
Dini Ariani ◽  
Dinaroe Dinaroe
Keyword(s):  
Sampling Method ◽  
Mobile Payment ◽  
The Internet ◽  
Intention To Use ◽  
Mobile Payments ◽  
Internet Users ◽  
Main Instrument ◽  
Financial Transactions ◽  
Gathering Data ◽  
Banda Aceh

In recent years, the number of internet users and smartphones was increasing enormously in Indonesia. The development of the internet occurs rapidly and gives a significant influence on every aspect of life. The growing information technology allows people to easily perform various financial transactions by using mobile payments. This research aimed to examine the influence of mobility, compatibility, and trust toward the intention of users to use mobile payment. The research was conducted in Banda Aceh by taking samples of the PayTren users. The purposive sampling method was being used in gathering data and the main instrument of data collection was in the form of a questionnaire, which was being measured on a Likert scale. The data Samples were Banda Aceh inhabitants who use PayTren as their mobile payment platform. A total of 119 data were processed using SPSS and the analysis result of the model showed that mobility, compatibility, and trust affected the intention to use mobile payment PayTren.

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.

scholarly journals Poland–Turkey Comparison of Mobile Payments Quality in Pandemic Time

2021 ◽  
Vol 14 (9) ◽  
pp. 426
Author(s):  
Witold Chmielarz ◽  
Marek Zborowski ◽  
Alicja Fandrejewska ◽  
Mesut Atasever
Keyword(s):  
International Comparisons ◽  
Academic Community ◽  
The Internet ◽  
Random Group ◽  
Pilot Studies ◽  
Native Languages ◽  
Mobile Payments ◽  
Internet Users ◽  
Use Of The Internet ◽  
Business Practitioners

The main objective of this article is to identify and analyze the use of mobile payments in two countries, Poland and Turkey. The data for the study were collected with the application of the CAWI method in March 2021. The survey covered nearly 650 respondents in total. The basis for comparisons was populations from two culturally distinct countries, Poland and Turkey, which are at a similar level of development as regards the use of the Internet. The studies were carried out simultaneously in both countries and examined the group of young people aged 18–25. The research surveyed the population, which included the most active Internet users who are taking full advantage of the benefits of globalization, which is facilitated by the development of the Internet worldwide. The survey was translated into the respondents’ native languages, initially validated during the pilot studies and then distributed and circulated among the study participants. The obtained findings were subject to comparison, and the differences between the samples were analyzed and commented on to verify the hypotheses formulated in the study. The main limitation of the conducted study was the selection of a random group—the research sample consisted only of members of the academic community. The study presented in the article fills the research gap regarding international comparisons of the use of m-payments in the period of the COVID-19 pandemic. The obtained results indicate the undoubted fact of increased interest in the use of m-payments in e-commerce and e-banking, and even more importantly, differences concerning 40% of the criteria/attributes applied to assess the use of m-payments in both countries. The findings can be used by business practitioners dealing with the development of m-payments. Another potential application is to attempt to bridge the gaps between countries, which may be supported by globalization processes.

scholarly journals THE DETERMINANT FACTORS OF MOBILE PAYMENT ADOPTION

2020 ◽  
Vol 8 (3) ◽  
pp. 134-147
Author(s):  
Yosaka Eka Putranta ◽  
◽  
Rusli Alamsyah ◽  
Lisan Tan ◽  
Dewi Tamara ◽  
...  
Keyword(s):  
Behavioral Intention ◽  
Service Providers ◽  
Mobile Payment ◽  
Mobile Payments ◽  
Performance Expectancy ◽  
Internet Users ◽  
Digital Transactions ◽  
Facilitating Conditions ◽  
Use Behavior ◽  
Attraction And Retention

Indonesia mobile payment industry is growing organically especially since Indonesia is among the top 3 countries of internet users in Asia. Mobile payment has revolutionized the way we manage digital transactions and it offers a wide variety of payment facilities and benefits compared to cash, credit cards, debit cards or other payment methods. The effect of providing mobile payment users with numerous incentives, for example in the form of cashback, is a compelling factor to be investigated on mobile payments adoption in Jakarta, as various mobile payment operators intensively and continuously provide cashback as a means of customer attraction and retention. In this study, UTAUT2 was adapted to discuss the phenomenon that occurred and to compare the effect of providing incentives in mobile payment technology adoption versus the effect of other factors. Eight constructs from UTAUT2 model were carefully taken into this study, where the original constructs of UTAUT2, namely use behavior, behavioral intention, performance expectancy, effort expectancy, facilitating conditions, social influence and hedonic motivation, are maintained, while the construct of price value is adapted to become negative cost so that the present mobile payment industry can be applied more representatively. Despite the frequent practice of service providers giving incentives to customers and prospects, this study discovered that price value did not influence behavioral intention. Furthermore, behavioral intention is affected by performance expectancy, hedonic motivation and facilitating conditions, while use behavior significantly affected by behavioral intention.

scholarly journals PREDIKTOR INTENSI PENGGUNAAN INTERNET DALAM MELAKUKAN PEMBELIAN ONLINE

2016 ◽  
Vol 12 (2) ◽  
pp. 146
Author(s):  
Yeti Diah Wiyanti ◽  
Wisnu Untoro
Keyword(s):  
Theory Of Planned Behavior ◽  
Planned Behavior ◽  
Information Search ◽  
Survey Methodology ◽  
Behavioral Control ◽  
Sem Analysis ◽  
The Internet ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Internet Users

Abstrak: Prediktor Intensi Penggunaan Internet dalam Melakukan Pembelian Online. Tujuan penelitian ini adalah untuk menguji dan menganalisis pengaruh niat konsumen dalam menggunakan internet untuk melakukan pembelian online. Sebuah metodologi survei digunakan untuk mengumpulkan data 160 orang mahasiswa pengguna internet di Universitas Sebelas Maret Surakarta yang pernah melakukan pembelian online. Analisis SEM menunjukkan bahwa faktor-faktor penentu niat berupa: sikap, norma subjektif, kontrol perilaku yang dirasakan dan kepercayaan berpengaruh signifikan pada intensi penggunaan internet untuk melakukan pembelian kecuali pengalaman belanja online tidak berpengaruh signifikan terhadap intensi penggunaan internet untuk melakukan pembelian dan faktor-faktor penentu niat berupa: sikap, norma subjektif, kontrol perilaku yang dirasakan, pengalaman belanja online dan kepercayaan berpengaruh signifikan terhadap intensi penggunaan internet untuk melakukan pembelian ketika dimoderasi oleh intensi penggunaan internet untuk pencarian informasi. Kata kunci: Theory of Planned Behavior (TPB), pengalaman belanja online, kepercayaan, intensi penggunaan internet. Abstract: Predictors of The Intention to Use The Internet for Purchasing. The purpose of this study was to examine and analyze the influence of intention to use the internet for purchasing. A survey methodology used to data from 160 Internet users students at the Sebelas Maret University which ever purchase online. SEM analysis show that the determinants of intention form: attitude, subjective norms, perceived behavioral control and trust have a significant effects on the intention to use the internet for purchasing unless the internet purchase experience have no significant effect on the intention to use the internet for purchasing and the determinants of intention form of: attitude, subjective norm, perceived behavioral control, internet purchase experience, and trust have a significant effects on the intention to use the internet for purchasing when moderated by the intention to use the Internet for information search. Keywords: Theory of Planned Behavior (TPB), internet purchase experience, trust, intention to use the internet.

scholarly journals Pengaruh intensi, pengalaman menggunakan internet, kondisi pemfasilitasan, dan undang undang informasi & transaksi elektronik No. 11/2008 terhadap cybercrime

2011 ◽  
Vol 1 (1) ◽  
pp. 69
Author(s):  
Achmad Syaiful Hidayat Anwar
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Sampling Method ◽  
Survey Methods ◽  
The Internet ◽  
Cluster Sampling ◽  
Purposive Sampling ◽  
Internet Users ◽  
Facilitating Conditions

The aims of this research is to test the influence of intension, experience using the internet, facilitating conditions and undang-undang Informasi & Transaksi Elektronik (ITE) No. 11/2008 on cybercrime. This research uses survey methods. Cluster sampling and purposive sampling method are used to determine research sample. The respondents are internet users who use the internet at warnet and are located in Yogya- karta, Surabaya and Malang. Some 300 questionnaires have been distributed and received back. A total of 291 questionnaires revealed to be analyzed by using multiple regression analysis. Based on the analysis results can be concluded that intention, experience using the Internet, facilitating conditions and UU ITE No. 11/2008 positively influence the occurrence of cybercrime. For further research, it is advisable to increase research variables also affect the occurrence of cybercrime, among others, and increase the number of samples. It aims to obtain research results more representative so that results can be generalized. Keywords: cybercrime, internet, UU ITE No. 11/2008

scholarly journals Countermeasures against darknet localisation attacks with packet sampling

2020 ◽  
Vol 19 (2) ◽  
pp. 1036
Author(s):  
Masaki Narita ◽  
Keisuke Kamada ◽  
Kanayo Ogura ◽  
Bhed Bahadur Bista ◽  
Toyoo Takata
Keyword(s):  
Sampling Method ◽  
Sampling Methods ◽  
The Internet ◽  
Quality Of Information ◽  
Internet Users ◽  
Advanced Sampling ◽  
Packet Sampling ◽  
Improved Methods ◽  
Actual Location

<p>The darknet monitoring system consists of network sensors widely deployed on the Internet to capture incoming unsolicited packets. A goal of this system is to analyse captured malicious packets and provide effective information to protect regular nonmalicious Internet users from malicious activities. To provide effective and reliable information, the location of sensors must be concealed. However, attackers launch localisation attacks to detect sensors in order to evade them. If the actual location of sensors is revealed, it is almost impossible to identify the latest tactics used by attackers. Thus, in a previous study, we proposed a packet sampling method, which samples incoming packets based on an attribute of the packet sender, to increase tolerance to a localisation attack and maintain the quality of information publicised by the system. We were successful in countering localisation attacks, which generate spikes on the publicised graph to detect a sensor. However, in some cases, with the previously proposed sampling method, spikes were clearly evident on the graph. Therefore, in this paper, we propose advanced sampling methods such that incoming packets are sampled based on multiple attributes of the packet sender. We present our improved methods and show promising evaluation results obtained via a simulation.</p>

scholarly journals The Factors that Determine Interest to Use of Mobile Payment: Study on the Students of Garut University, Indonesia

2020 ◽  
Vol 13 (3) ◽  
pp. 257-265
Author(s):  
Abdullah Ramdhani ◽  
◽  
Dini Turipanam Alamanda ◽  
Muhammad Husna Harisana ◽  
Gugun Geusan Akbar ◽  
...  
Keyword(s):  
Rural Areas ◽  
Sampling Method ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Mobile Payments ◽  
Essential Insight ◽  
Positive Effect ◽  
Insight Into

Abstract. Mobile payment is generally a payment tool in the form of software available in smartphones to make it easier for its users to make transactions anytime and anywhere his research aims to give empirical evidence of the influence of perceived ease of use, perceived usefulness, trust, and security on the interest in the use of mobile payment in Garut University students. We collect questionnaires from 100 students that are selected using the proportionate sampling method. The data is then analyzed using multiple linear regression. The analysis’ results show that both perceived of benefit and security variables partially has a positive effect while the perceived ease of use and trust has an insignificant effect on the interest in using mobile payments. This study provides an essential insight into how academic users in rural areas in Indonesia adopt electronic payment technologies. Keywords: Perceived ease of use, Perceived of usefulness, Trust, Security, Interests.

scholarly journals THE ANALYSIS ON FACTORS INFLUENCING THE USE OF MOBILE PAYMENT SYSTEM AMONG GENERATION Z IN BEKASI CITY

2021 ◽  
Vol 3 (9) ◽  
pp. 334-348
Author(s):  
Zxavian Zebadia Simorangkir ◽  
Kurnia Fajar Afgani
Keyword(s):  
Social Influence ◽  
Behavioral Intention ◽  
Online Survey ◽  
Mobile Payment ◽  
Intention To Use ◽  
Mobile Payments ◽  
Generation Z ◽  
Perceived Security ◽  
Behavioral Intention To Use ◽  
The Impact

The topic of the factors that influence the usage of Mobile Payments is not to be overlooked, given the rise in the use of Mobile Payments in recent years. The goal of this study is to identify the factors that have a major impact on users' use of mobile payment instruments. The study was carried out with the help of an online survey questionnaire, which was distributed to 414 people. The impact of performance expectancy, effort expectancy, social influence, trust, and perceived security on the behavioral intention of mobile payment usage was investigated in this study. This study used a quantitative approach, with Generation Z as the unit of analysis, and the respondents from Bekasi as the target population. Two of the criteria have a significant relationship with the behavioral intention to use the mobile payment instrument, according to the research. Based on the result of this study, it can be seen that perceived security has the most influence on the behavioral intention to use mobile payment, followed by social influence.

scholarly journals The Impact of Mobile Payments on the Internet Inclusive Finance

2016 ◽  
Vol 6 (4) ◽  
pp. 97
Author(s):  
Yaqian Pan ◽  
Meng Yang ◽  
Shubing Li ◽  
Xinxin Chen ◽  
Shiqi Yu ◽  
...  
Keyword(s):  
Principal Component ◽  
Mobile Payment ◽  
The Internet ◽  
Financial Investment ◽  
Family Investment ◽  
Mobile Payments ◽  
Investment Structure ◽  
Internet Finance ◽  
Multiple Variables ◽  
The Impact

<p>Expanding the degree of financial inclusion is one of the important ways to deepen the effect of the Internet. Internet finance in China greatly reduces the information asymmetry and decreases the transaction costs between financial participants, which to some extent promotes the reform of financial systems in China. Besides the elite and center institutional arrangements, some so-called grassroots or civilian financial structures appear. Thus the finance has begun to show a trend of financial disintermediate. This paper selected some variables to build a measure system, based on the 2015 Household Financial Survey. It firstly analyzed the correlation of variables and tested the variance factors through the analysis of use frequency of mobile payment and its transaction amount, meanwhile through the analysis of the impact of family investment structure on the Internet investment transactions. Then it used principal component analysis method to analyze multiple variables in reduced dimensionality. After that it tested ADF unit root and Granger causality of screened indexes, and established a stepwise multivariate linear regression model. Finally, this paper illustrated that the expansion of mobile payment transaction had an impact on the increase in the Internet financial investment transactions based on the empirical analysis and theoretical deduction, and then the paper gave some relevant recommendations.</p>

Financial Inclusion and Mobile Payment to Empower Small and Medium-Sized Enterprises

2022 ◽  
pp. 50-59
Author(s):  
Mia Fithriyah ◽  
Masairol Masri ◽  
Mohammad Nabil Almunawar ◽  
Muhammad Anshari
Keyword(s):  
Literature Search ◽  
Security And Privacy ◽  
Mobile Payment ◽  
Medium Size ◽  
Privacy Rights ◽  
Mobile Payments ◽  
Business Transactions ◽  
Negative Effect ◽  
The Government ◽  
Financial Transactions

Despite the increasing adoption of financial technology (FinTech) and the need for secure payment methods, mobile payments as a mode of settling daily business transactions have not received sufficient attention. To date, several business actors prefer to use conventional money payment modes. However, it is apparent that the need for a more effective payment method today is considered as a basic necessity, considering the current complexity of consumers and the negative effect of COVID-19. Moreover, the crisis raised a wave of apprehension over a large number of business actors, particularly small and medium-size enterprises (SMEs). The literature search indicated that the government should implement the correct policy to help create an acceptable environment for financial transactions for both the user and providers. It is also necessary to ensure that client security and privacy rights are protected during the mobile payment transactions.

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