scholarly journals Minat Generasi Z Menggunakan Kembali Transaksi Mobile Payment: Pendekatan Model UTAUT 2

2021 ◽  
Vol 7 (2) ◽  
pp. 140-154
Author(s):  
Yestias Maharani
Keyword(s):  
Mobile Payment ◽  
Performance Expectations ◽  
Daily Lives ◽  
Additional Variable ◽  
Mobile Payments ◽  
Facility Conditions ◽  
Performance Expectation ◽  
Generation Z ◽  
Technological Advances ◽  
Facility Condition

Z generation  is a generation that lives in the era of technology so that they are used to using technology in their daily lives, including mobile payments. This study was conducted to see the relationship between the variables contained in UTAUT 2 and additional variable trust with the desire to continuance use intention mobile payments. The UTAUT 2 variables used in this study are performance expectations, effort expectations, social influences, facility conditions, hedonic motivation, price value, habits and the additional variable used in this study is trust. Respondents involved in this study were Generation Z as many as 146 people, Generation Z is a generation that grew up in the midst of technological advances so that they are very accustomed to using technology and information systems including mobile payments. The variables of performance expectation, effort expectation, social influence, facility condition, hedonic motivation, price value have no significant effect on the creation of generation z to continuance use intention mobile payments transactions. Meanwhile, habits and beliefs have a significant influence on making z intentions to reuse cellular payment transactions. This is because generation z is a millennial generation who is used to using technology such as mobile payment transactions, and feels confident that their mobile payment transactions can maintain privacy for their data.

scholarly journals User Trust levels and Adoption of Mobile Payment Systems in China: An Empirical Analysis

SAGE Open ◽  
2021 ◽  
Vol 11 (4) ◽  
pp. 215824402110565
Author(s):  
Kamal Abubker Abrahim Sleiman ◽  
Lan Juanli ◽  
Hongzhen Lei ◽  
Ru Liu ◽  
Yuanxin Ouyang ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Success Factors ◽  
Influential Factors ◽  
Ease Of Use ◽  
Mobile Payment ◽  
Daily Lives ◽  
Empirical Survey ◽  
Mobile Payments

The technology acceptance model (TAM) has been regarded as a promising model for understanding technology adoption and can be extended to different situations. Currently, mobile payment services have been widely applied in people’s daily lives in China, and understanding their critical success factors is becoming important. Mobile payments are a complex system, and a large number of factors affect their success. Since mobile payments are directly related to financial issues, their wide adoption relies heavily on people’s trust. We developed a model based on the TAM to investigate the most influential factors in building trust within the mobile payment context. We conducted an empirical survey and 373 samples were collected using a valid questionnaire from the users of the popular payment platforms in China—Alipay and WeChat payment. We found that government monitoring is the most significant factor of customer trust, followed by reputation, and security. Government monitoring directly influenced behavioral intention, was negatively associated with perceived risk and positively affected behavioral intention. Moreover, mobility, subjective norms, usefulness, ease of use, and perceived enjoyment impacts customer behavioral intention.

scholarly journals Mobile Payment in China: Practice and Its Effects

2020 ◽  
Vol 19 (3) ◽  
pp. 1-18
Author(s):  
Yiping Huang ◽  
Xue Wang ◽  
Xun Wang
Keyword(s):  
Risk Sharing ◽  
Business Models ◽  
Mobile Payment ◽  
Key Factors ◽  
Daily Lives ◽  
Mobile Payments ◽  
Entrepreneurial Opportunities ◽  
Technological Developments ◽  
Low Costs ◽  
Careful Assessment

This paper offers a comprehensive review and careful assessment of China's mobile payment business. With broad access, low costs, and reliable transactions, mobile payments are creating a revolution of financial inclusion, changing people's daily lives and commercial business models. This study also confirms that mobile payment improves risk sharing among individuals and increases entrepreneurial opportunities. These mobile payment successes can be traced to three key factors: supply shortages of alternative payment services, a friendly regulatory environment, and recent technological developments. A number of outstanding issues remain, however, including data ownership, data inequality, and regulatory shortcomings.

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 HERD BEHAVIOR IN USING MOBILE PAYMENT WITH UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT2)

2021 ◽  
Vol 23 (2) ◽  
pp. 111-128
Author(s):  
Rohmad Fuad Armansyah
Keyword(s):  
Behavioral Intention ◽  
Financial Behavior ◽  
Mobile Payment ◽  
Herd Behavior ◽  
Unified Theory ◽  
Herding Behavior ◽  
Performance Expectations ◽  
Mobile Payments ◽  
Use Of Technology ◽  
Variable Performance

The development of information technology, followed by higher bank competition, has encouraged innovation in providing various alternatives for non-cash payments. Mobile payment services are increasingly popular with the increasing use of smartphones in the last five years in Indonesia, so that financial behavior has shifted its function towards digitalization. This study aims to discuss the financial herding behavior of using mobile payments using the Unified Theory of Acceptance and Use of Technology (UTAUT2) approach. The data used is respondent data as many as 355 Indonesian students who use the mobile payment application on a mobile device. The results obtained by the variable performance expectance and price value have a significant effect on the behavioral intention of users of mobile payment applications in Indonesia. Then behavioral intention was proven to significantly influence usage behavior and herd behavior as a form of financial behavior deviation which was proven to affect performance expectations.

scholarly journals Factors Influencing the Adoption of Mobile Payment Method among Generation Z: the Extended UTAUT Approach

2021 ◽  
Vol 4 (1) ◽  
pp. 14-28
Author(s):  
Triasesiarta Nur ◽  
Rosinta Ria Panggabean
Keyword(s):  
Behavioral Intention ◽  
Partial Least Square ◽  
Least Square ◽  
Internet Technology ◽  
Mobile Payment ◽  
Utaut Model ◽  
Mobile Payments ◽  
Generation Z ◽  
Factors Influencing ◽  
The Way

Objective– Rapid advances in financial technology have tremendously changed both the way of life and the way of doing business over recent decades. The ubiquitous usage of the internet is fostering new forms of enterprise. Mobile payment is a new way to conveniently and effectively conduct financial transactions through digital platforms. This study analyzes the factors influencing the adoption of mobile payments as a method of payment utilized by Generation Z. Generation Z represents the successor of the generation of our society and the generation that interacts the most with internet technology. Design/methodology– Using the Extended Unified Theory of Acceptance and Use of Technology (UTAUT) model, this study sampled 100 respondents of Generation Z from Jakarta and surrounding areas (JABODETABEK) and further analyzed using the Partial Least Square-Structural Equation Model (PLS-SEM).  Results – The results show that factors relating to Performance Expectancy, Social Influences, Facilitating Condition, Perceived Enjoyment, and Trust significantly affect the Behavioral Intention to use mobile payments to conduct online transactions. Effort Expectancy shows no significant effect. Contribution – This study provided the evidence about the factors influencing the Generation Z’s intention behavior to adopt mobile payment technology as a tool in online purchasing, using the extended UTAUT model. This stems from extended UTAUT and applies it to explore how the Behavioral Intention of Generation Z in adopting mobile payment technology.

The use of statistical methods in the analysis of mobile payment market in Poland

2020 ◽  
Vol 3 (2) ◽  
pp. 45-50
Author(s):  
Artur Borcuch
Keyword(s):  
Economic Growth ◽  
Economic Activity ◽  
Initial Phase ◽  
Positive Impact ◽  
Ease Of Use ◽  
Mobile Payment ◽  
Human History ◽  
Payment Systems ◽  
Mobile Payments ◽  
Payment Instruments

Payments are an inherent element of economic activity (León and Ortega 2018). However, the evolution of payment instruments and the way individuals and businesses make daily payments has undergone enormous change in human history, particularly due to main innovations in payment systems in last decades (Gandhi 2016). The last innovation in payment system concerns mobile payment. The development of mobile payments market can have a positive impact on economic growth (Leon and Rodriguez 2012). Although the Polish market of mobile payments is in the initial phase of development, it is one of the pioneering and leading in Europe and globally. The main purpose of this article is to analyze, which feature (convenience, speed, availability, ease of use, safety) of mobile payments could be the most important for users from Poland.

scholarly journals Panel Econometric Analysis on Mobile Payment Transactions and Traditional Banks Effort toward Financial Accessibility in Sub-Sahara Africa

2020 ◽  
Vol 12 (3) ◽  
pp. 895 ◽  
Author(s):  
Cephas Paa Kwasi Coffie ◽  
Hongjiang Zhao ◽  
Isaac Adjei Mensah
Keyword(s):  
Time Series Data ◽  
Unit Root Test ◽  
Panel Cointegration ◽  
Ordinary Least Squares ◽  
Sustainable Growth ◽  
Series Data ◽  
Mobile Payment ◽  
Cross Sectional ◽  
Mobile Payments ◽  
Long Run

The financial landscape of sub-Sahara Africa is undergoing major changes due to the advent of FinTech, which has seen mobile payments boom in the region. This paper examines the salient role of mobile payments in traditional banks’ drive toward financial accessibility in sub-Sahara Africa by using panel econometric approaches that consider the issues of independencies among cross-sectional residuals. Using data from the World Development Index (WDI) 2011–2017 on 11 countries in the region, empirical results from cross-sectional dependence (CD) tests, panel unit root test, panel cointegration test, and the fully modified ordinary least squares (FMOLS) approach indicates that (i) the panel time series data are cross-sectionally independent, (ii) the variables have the same order of integration and are cointegrated, and (iii) growth in mobile payment transactions had a significant positive relationship with formal account ownership, the number of ATMs, and number of new bank branches in the long-run. The paper therefore confirms that the institutional structure of traditional banks that makes them competitive, irrespective of emerging disruptive technologies, has stimulated overall financial accessibility in the region leading to overall sustainable growth in the financial sector. We conclude the paper with feasible policy suggestions.

Towards a More Competitive Mobile Payment Industry: Standardization And Beyond

2020 ◽  
Author(s):  
Xingyu Yan
Keyword(s):  
Financial Market ◽  
Competitive Dynamics ◽  
Mobile Payment ◽  
Market Failures ◽  
Mobile Payments ◽  
The World ◽  
Chinese Industry ◽  
Definable Groups ◽  
Study Case ◽  
Bank Card

Abstract Mobile payments are becoming increasingly popular around the world. In countries like China, they appear in the form of barcode payments and are poised to replace cash and bank card payments for day-to-day consumer purchases. Against that backdrop, this paper analyzes the availability of barcode standardization as an approach to interoperability and ultimately to enhanced competition in the mobile payment industry. It uses the Chinese industry as a study case, which features a duopoly structure and shifting competitive dynamics among three definable groups of market players. This paper confirms that standardization can enhance competition and argues that, in this case, a government-mandated standardization is preferable to a voluntary one because the latter is prone to financial market failures. Along this line, this paper makes three suggestions for furthering the barcode standardization. It also advises prudence and competitive neutrality for the financial regulator and calls for more active involvements of the competition and data protection authorities.

Role of gender on Intention to adopt mobile payments among generation Z

2021 ◽  
Vol 9 (1) ◽  
Author(s):  
Sonal Purohit ◽  
Rakhi Arora
Keyword(s):  
Undergraduate Students ◽  
Structural Equation ◽  
Equation Modeling ◽  
Mobile Payments ◽  
Intention To Adopt ◽  
Generation Z ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
Value Propositions ◽  
Males And Females

The purpose of this paper was to examine the intention to adopt mobile payments among male and female customers of generation Z by surveying 365 undergraduate students and applying the Unified theory of acceptance and use of technology (UTAUT). The Structural equation modeling analysis using the SmartPLS revealed that social influence was the most significant predictor of intention to adopt mobile payments among both males and females. The male is significantly influenced by the performance expectancy and effort expectancy whereas the females are significantly influenced by the effort expectancy and price value factors. For sustainable adoption among the males and females in generation Z, the managers should create differentiated value propositions by focusing on utilitarian benefits and simplicity of use for the males and females respectively.

scholarly journals Comparative Analysis of Deepfake Image Detection Method Using Convolutional Neural Network

2021 ◽  
Vol 2021 ◽  
pp. 1-18
Author(s):  
Hasin Shahed Shad ◽  
Md. Mashfiq Rizvee ◽  
Nishat Tasnim Roza ◽  
S. M. Ahsanul Hoq ◽  
Mohammad Monirujjaman Khan ◽  
...  
Keyword(s):  
Comparative Analysis ◽  
Operating Characteristic ◽  
Lower Cost ◽  
Detection Method ◽  
Characteristic Curve ◽  
Data Driven ◽  
Main Element ◽  
Generation Z ◽  
Technological Advances ◽  
Artificial Intelligence Technology

Generation Z is a data-driven generation. Everyone has the entirety of humanity’s knowledge in their hands. The technological possibilities are endless. However, we use and misuse this blessing to face swap using deepfake. Deepfake is an emerging subdomain of artificial intelligence technology in which one person’s face is overlaid over another person’s face, which is very prominent across social media. Machine learning is the main element of deepfakes, and it has allowed deepfake images and videos to be generated considerably faster and at a lower cost. Despite the negative connotations associated with the phrase “deepfakes,” the technology is being more widely employed commercially and individually. Although it is relatively new, the latest technological advances make it more and more challenging to detect deepfakes and synthesized images from real ones. An increasing sense of unease has developed around the emergence of deepfake technologies. Our main objective is to detect deepfake images from real ones accurately. In this research, we implemented several methods to detect deepfake images and make a comparative analysis. Our model was trained by datasets from Kaggle, which had 70,000 images from the Flickr dataset and 70,000 images produced by styleGAN. For this comparative study of the use of convolutional neural networks (CNN) to identify genuine and deepfake pictures, we trained eight different CNN models. Three of these models were trained using the DenseNet architecture (DenseNet121, DenseNet169, and DenseNet201); two were trained using the VGGNet architecture (VGG16, VGG19); one was with the ResNet50 architecture, one with the VGGFace, and one with a bespoke CNN architecture. We have also implemented a custom model that incorporates methods like dropout and padding that aid in determining whether or not the other models reflect their objectives. The results were categorized by five evaluation metrics: accuracy, precision, recall, F1-score, and area under the ROC (receiver operating characteristic) curve. Amongst all the models, VGGFace performed the best, with 99% accuracy. Besides, we obtained 97% from the ResNet50, 96% from the DenseNet201, 95% from the DenseNet169, 94% from the VGG19, 92% from the VGG16, 97% from the DenseNet121 model, and 90% from the custom model.

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