INTENTION TO USE DIGITAL PAYMENT DURING THE COVID-19 PANDEMIC IN THE RURAL AREA
Keywords:
intention to use, digital payment, covid-19, rural areas
Abstract
A cashless society and technical progress are now more widely accepted. The widespread covid-19 epidemic, which coincided with the creation of formal financial services globally, has significantly increased digital payment. Even in a pandemic, the use of digital payment may be discovered to be different if segregated by geography. There is a significant disparity in financial inclusion between urban and rural areas. This study will look at people's intentions to use digital payment during the covid-19 pandemic. This research will continue to learn about the intention to utilize digital payment in rural communities in West Java, Indonesia. This study is based on quantitative data. The survey was carried out using online questionnaires. The information was gathered from 225 digital payment consumers in rural West Java, Indonesia. SEM-PLS is used in this study. Statistical analysis software that works with SMART-PLS4. Our findings reveal that users in rural areas prefer digital payments due to performance expectations and social influence. People in rural areas do not use digital payments for health reasons, such as fears of contracting covid-19, as reflected by perceived severity and susceptibility.
References
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Daragmeh, A., Sági. J., and Zéman, Z. 2021, “Continuous intention to use e-wallet in the context of the covid-19 pandemic: Integrating the health belief model (HBM) and technology continuous theory (TCT)”, Journal of Open Innovation: Technology, Market, and Complexity, vol. 7, no. 2, pp. 132. http://dx.doi.org/10.3390/joitmc7020132
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Dou, K., Yu, P., Deng, N., Liu, F., Guan, Y., Li, Z., Ji, Y., Du, N., Lu, X. and Duan, H. 2017, “Patients’ acceptance of smartphone health technology for chronic disease management: a theoretical model and empirical test”, JMIR MHealth and U-health: Vol. 5 No. 12, p. e177, https://doi.org/10.2196/mhealth.7886
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Fox, G.; Connolly, R. 2018. “Mobile health technology adoption across generations: Narrowing the digital divide.” Review: 995–1019. http://dx.doi.org/10.1111/isj.12179
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Jin-Myong Lee, Bohan Lee, and Jong-Youn Rha. 2019. “Determinants of mobile payment usage and the moderating effect of gender: extending the utaut model with privacy risk.” International Journal of Electronic Commerce Studies: Vol.10, No.1, pp.43-64. http://dx.doi.org/10.7903/ijecs.1644
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Kelman, H. C. 2017. “Processes of opinion change.” Attitude change: 205-233. Routledge. https://www.taylorfrancis.com/chapters/edit/10.4324/9781351315364-8/processes-opinion-change-herbert-kelman
Kwateng, O. K., Osei Atiemo, K. A., & Appiah, C. 2019. “Acceptance and use of mobile banking: An application of UTAUT2.” Journal of Enterprise Information Management: 32(1), 118–151. https://doi.org/10.1108/JEIM-03-2018-0055
Lail. 2019. “The Analysis of Individual's Behavioral Intention and Use Behavior in Using OVO Based on UTAUT.” Scientific Journal of FEB Students, Universitas Brawijaya. 7 (2) https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/5494
Liébana-Cabanillas, F., Luna, I. R., & Montoro-Ríos, F. J. 2015. “User behavior in QR mobile payment system: the QR Payment Acceptance Model.” Technology Analysis & Strategic Management: 27(9), 1031-1049. https://doi.org/10.1080/09537325.2015.1047757
Lin, W.B., M.K. Wang, K.P. Hwang, 2010. “The combined model of influencing online consumer behavior,” Expert Systems with Applications, 37: 3236-3247. http://dx.doi.org/10.1016/j.eswa.2009.09.056
Manning, K. C., Bearden, W. O., & Madden, T. J. 1995. “Consumer innovativeness and the adoption process.” Journal of Consumer Psychology: 4(4), 329–345. https://psycnet.apa.org/doi/10.1207/s15327663jcp0404_02
Melzner, J., Heinze, J. and Fritsch, T. 2014, “Mobile health applications in workplace health promotion: an integrated conceptual adoption framework”, Procedia Technology: Vol. 16, pp. 1374-1382, DOI: 10.1016/j.protcy.2014.10.155.
Ming Tu, Wu L, Wan H, Ding Z, Guo Z, and Chen J. 2022. “The Adoption of QR Code Mobile Payment Technology During COVID-19: A Social Learning Perspective.” Front. Psychol. 12:798199. https://doi.org/10.3389/fpsyg.2021.798199
Mizal, O., and Wijayangka, C. 2020. “Analysis of e-commerce adoption by MSME in fashion sector in Bandung using the UTAUT model”. Jurnal Ilmiah Manajemen, Ekonomi, dan Akuntansi (MEA). 4(3):379-389. https://doi.org/10.31955/mea.v4i3.430
Nyesiga Catherine, Dr. Kituyi Mayoka Geofrey, & Grace Aballo. 2017. “Effort Expectancy, Performance Expectancy, Social Influence, and Facilitating Conditions as Predictors of Behavioural Intentions to Use ATMs with Fingerprint Authentication in Ugandan Banks.” GJCST-E Network Web and Security: 17 (5). https://computerresearch.org/index.php/computer/article/view/1622
Ooi, K. B., & Tan, G. W. H. 2016. “Mobile technology acceptance model: An investigation using mobile users to explore smartphone credit cards.” 33–46. https://doi.org/10.1016/j.eswa.2016.04.015
Pan, S., M. Jordan-Marsh, 2010. “Internet use intention and adoption among Chinese older adults: from the expanded technology acceptance model perspective.” Computers in Human Behavior: 26(5): 1111-1119. https://psycnet.apa.org/doi/10.1016/j.chb.2010.03.015
Phau, I. and M. Teah. 2009. “Devil wears (counterfeit) Prada: A Study of Antecedents and Outcomes of Attitudes towards Counterfeits of Luxury Brands.” Journal of Consumer Marketing: Vol. 26, No. 1:15-27. http://dx.doi.org/10.1108/07363760910927019
Phonthanukitithaworn, C., Sellitto, C., & Fong, M. W. L. 2016. “A Comparative Study of Current and Potential Users of Mobile Payment Services”. SAGE Open: 6(4),. http://dx.doi.org/10.1177/2158244016675397
Sreelakshmi & Sangeetha. 2020. “Continuance adoption of mobile-based payments in Covid-19 context: an integrated framework of health belief model and expectation confirmation model.” International Journal of Pervasive Computing and Communications: Vol. 16 No. 4, pp. 351-369. https://doi.org/10.1108/IJPCC-06-2020-0069
Sivathanu, B. 2018. “Adoption of digital payment systems in the era of demonetization in India: An empirical study. Journal of Science and Technology Policy Management.” https://doi.org/10.1108/JSTPM-07-2017-0033
Sharma,S. K., Govindaluri, S. M., Muharrami, S. M., & Tarhini, A. 2017. “A Multi-Analytical Model for Mobile Banking Adoption: a Developing Country Perspective.” Review of International Business and Strategy: 27(1), 133–148. https://doi.org/10.1108/RIBS-11-2016-0074.
Sun, Q., Cao, H., & You, J. 2010. “Factors influencing the adoption of mobile service in China: An integration of tam.” Journal of Computers: 5(5), 799-806. http://dx.doi.org/10.4304/jcp.5.5.799-806
Slade, E.L., Dwivedi, Y.K., Piercy, N.C., Williams, M.D., 2015. “Modeling consumers’ adoption intentions of remote mobile payments in the United Kingdom: extending UTAUT with innovativeness, risk, and trust.” Psychol. Mark. 32 (8), 860–873. http://dx.doi.org/10.1002/mar.20823
Thakur, R., 2013. “Customer adoption of mobile payment services by professionals across two cities in India: an empirical study using modified technology acceptance model.” Bus. Pers. Res. 1 (2), 17–30. http://dx.doi.org/10.1177/2278533720130203
Vankatesh, V. Davis, F.D. 2000. “A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies.” Manage. Sci., 46, 186–204. https://www.jstor.org/stable/2634758
Vimala Balakrishnan, Nor Liyana Mohd Shuib. 2021. “Drivers and inhibitors for digital payment adoption using the Cashless Society Readiness-Adoption model in Malaysia.” Technology in Society: Volume 65, https://doi.org/10.1016/j.techsoc.2021.101554.
Wei, J., Vinnikova, A., Lu, L. and Xu, J. 2020, “Understanding and predicting the adoption of fitness mobile apps: evidence from China”, Health Communication: pp. 1-12, DOI: 10.1080/ 10410236.2020.1724637.
Wijenayake, S., van Berkel, N., Kostakos, V., & Goncalves, J. 2020. “Impact of contextual and personal determinants on online social conformity.” Computers in Human Behavior: 108(1), 106-119. http://dx.doi.org/10.1016/j.chb.2020.106302
Yulia, Y. & Hilda, H. 2021. “Identifikasi Technology Digital dan Uang Digital dalam Belanja Online pada Masyarakat di Wilayah Perbatasan Kalimantan Barat.” Prosiding Seminar Nasional Penerapan Ilmu Pengetahuan Dan Teknolog: 6(1), 91–96. https://doi.org/10.26418/pipt.2021.7
Zhang, L., Zhu, J., & Liu, Q. 2012. “A meta-analysis of mobile commerce adoption and the moderating effect of culture.” Computers in Human Behavior: 28(5), 1902-1910. http://dx.doi.org/10.1016/j.chb.2012.05.008
Adiwibowo, Lili, Hurriyati, Ratih, dan M. S. 2012. “Analisis Perilaku Pengguna Teknologi Informasi Pada Perguruan Tinggi Berstatus BHMN (Studi Penerapan Teknologi Informasi Pada FPEB-Universitas Pendidikan Indonesia).” http://file.upi.edu/Direktori/FPEB/PRODI._MANAJEMEN_FPEB/197107052004012-MAYA_SARI/Artikel_Penelitian_TAM.pdf
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. 2017. “Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust.” International Journal of Information Management, Elsevier Ltd: 37(3), 99–110. https://doi.org/10.1016/j.Ijinfomgt.2017.01.002
Alam, M. Z., Moudud-Ul-Huq, S., Sadekin, M. N., Hassan, M. G., & Rahman, M. M. 2021. “Influence of social distancing behavior and cross-cultural motivation on consumers’ attitude to using M-payment services.” Sustainability: 13(19), 10676. https://doi.org/10.3390/su131910676
Alkhowaiter, W. A. 2020. “Digital payment and banking adoption research in Gulf countries: A systematic literature review.” International Journal of Information Management: 53, 102102. http://dx.doi.org/10.1016/j.ijinfomgt.2020.102102
Al-Okaily, M., Lutfi, A., Alsaad, A., Taamneh, A., & Alsyouf, A. 2020. “The determinants of digital payment systems’ acceptance under cultural orientation differences: The case of uncertainty avoidance.” Technology in Society: 63, 101367. https://doi.org/10.1016/j.techsoc.2020.101367
AlRefai, Z.A., Muda, H., Siddiqui, A.A., Amin, J., Ilyas, M., and Alam, M.K. 2021, “Alternate method of payments and covid-19”, International Medical Journal: vol. 28, no. 4, pp. 397-399. http://dx.doi.org/10.14707/ajbr.22012
Aseng, A. C. 2020. “Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services.” CogITo Smart Journal: 6(2), 155-166. http://dx.doi.org/10.31154/cogito.v6i2.260.155-166
Changsu Kim, Mirsobit Mirusmonov, In Lee. 2010. “An empirical examination of factors influencing the intention to use mobile payment.” Computers in Human Behavior: Volume 26. Issue 3. Pages 310-322. ISSN 0747-5632. https://doi.org/10.1016/j.chb.2009.10.013.
Daragmeh, A., Sági. J., and Zéman, Z. 2021, “Continuous intention to use e-wallet in the context of the covid-19 pandemic: Integrating the health belief model (HBM) and technology continuous theory (TCT)”, Journal of Open Innovation: Technology, Market, and Complexity, vol. 7, no. 2, pp. 132. http://dx.doi.org/10.3390/joitmc7020132
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. https://doi.org/10.1287/mnsc.35.8.982
Dissanayake, S. D. S. T., Dewasiri, N. J., harmarathna, D. G. D., & Karunarathna, K. S. S. N. 2022. “Health-related Behavior and Adoption of Mobile Payments in Life Insurance during the Pandemic: Evidence from Sri Lanka.” Asian Journal of Management Studies: 2(1), 46–71. DOI: http://doi.org/10.4038/ajms.v2i1.43
Dou, K., Yu, P., Deng, N., Liu, F., Guan, Y., Li, Z., Ji, Y., Du, N., Lu, X. and Duan, H. 2017, “Patients’ acceptance of smartphone health technology for chronic disease management: a theoretical model and empirical test”, JMIR MHealth and U-health: Vol. 5 No. 12, p. e177, https://doi.org/10.2196/mhealth.7886
Edi Purwanto, Julia Loisa. 2020. “The Intention and Use Behaviour of the Mobile Banking System in indonesia: UTAUT Model,” Journal Technology Reports of Kansai University: Vol. 62, NO. 06. https://www.researchgate.net/publication/343230847_The_Intention_and_Use_Behaviour_of_the_Mobile_Banking_System_in_indonesia_UTAUT_Model
Fox, G.; Connolly, R. 2018. “Mobile health technology adoption across generations: Narrowing the digital divide.” Review: 995–1019. http://dx.doi.org/10.1111/isj.12179
Giesing, I. 2003. “User Perceptions Related to Identification Through Biometrics Within Electronic Business”. Master’s Thesis. South Africa: University of Pretoria. https://go.gale.com/ps/i.do?id=GALE%7CA238094141&sid=googleScholar&v=2.1&it=r&linkaccess=abs&issn=15481131&p=AONE&sw=w&userGroupName=anon%7E9d816a42&aty=open+web+entry
Herdioko, J., Titalessy, P. B., & Krisanta, B. E. 2021. “Motivation of the use of digital wallets in young generations in the time of the COVID-19 pandemic.” Archives of Business Review: 9(1). https://doi.org/10.14738/abr.91.9595
Jin-Myong Lee, Bohan Lee, and Jong-Youn Rha. 2019. “Determinants of mobile payment usage and the moderating effect of gender: extending the utaut model with privacy risk.” International Journal of Electronic Commerce Studies: Vol.10, No.1, pp.43-64. http://dx.doi.org/10.7903/ijecs.1644
Jones, C. L., Jensen, J. D., Scherr, C. L., Brown, N. R., Christy, K., & Weaver, J. 2015. “The health belief model as an explanatory framework in communication research: exploring parallel, serial, and moderated mediation,” Health Communication: 30(6), 566-576. http://dx.doi.org/10.1080/10410236.2013.873363
Kelman, H. C. 2017. “Processes of opinion change.” Attitude change: 205-233. Routledge. https://www.taylorfrancis.com/chapters/edit/10.4324/9781351315364-8/processes-opinion-change-herbert-kelman
Kwateng, O. K., Osei Atiemo, K. A., & Appiah, C. 2019. “Acceptance and use of mobile banking: An application of UTAUT2.” Journal of Enterprise Information Management: 32(1), 118–151. https://doi.org/10.1108/JEIM-03-2018-0055
Lail. 2019. “The Analysis of Individual's Behavioral Intention and Use Behavior in Using OVO Based on UTAUT.” Scientific Journal of FEB Students, Universitas Brawijaya. 7 (2) https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/5494
Liébana-Cabanillas, F., Luna, I. R., & Montoro-Ríos, F. J. 2015. “User behavior in QR mobile payment system: the QR Payment Acceptance Model.” Technology Analysis & Strategic Management: 27(9), 1031-1049. https://doi.org/10.1080/09537325.2015.1047757
Lin, W.B., M.K. Wang, K.P. Hwang, 2010. “The combined model of influencing online consumer behavior,” Expert Systems with Applications, 37: 3236-3247. http://dx.doi.org/10.1016/j.eswa.2009.09.056
Manning, K. C., Bearden, W. O., & Madden, T. J. 1995. “Consumer innovativeness and the adoption process.” Journal of Consumer Psychology: 4(4), 329–345. https://psycnet.apa.org/doi/10.1207/s15327663jcp0404_02
Melzner, J., Heinze, J. and Fritsch, T. 2014, “Mobile health applications in workplace health promotion: an integrated conceptual adoption framework”, Procedia Technology: Vol. 16, pp. 1374-1382, DOI: 10.1016/j.protcy.2014.10.155.
Ming Tu, Wu L, Wan H, Ding Z, Guo Z, and Chen J. 2022. “The Adoption of QR Code Mobile Payment Technology During COVID-19: A Social Learning Perspective.” Front. Psychol. 12:798199. https://doi.org/10.3389/fpsyg.2021.798199
Mizal, O., and Wijayangka, C. 2020. “Analysis of e-commerce adoption by MSME in fashion sector in Bandung using the UTAUT model”. Jurnal Ilmiah Manajemen, Ekonomi, dan Akuntansi (MEA). 4(3):379-389. https://doi.org/10.31955/mea.v4i3.430
Nyesiga Catherine, Dr. Kituyi Mayoka Geofrey, & Grace Aballo. 2017. “Effort Expectancy, Performance Expectancy, Social Influence, and Facilitating Conditions as Predictors of Behavioural Intentions to Use ATMs with Fingerprint Authentication in Ugandan Banks.” GJCST-E Network Web and Security: 17 (5). https://computerresearch.org/index.php/computer/article/view/1622
Ooi, K. B., & Tan, G. W. H. 2016. “Mobile technology acceptance model: An investigation using mobile users to explore smartphone credit cards.” 33–46. https://doi.org/10.1016/j.eswa.2016.04.015
Pan, S., M. Jordan-Marsh, 2010. “Internet use intention and adoption among Chinese older adults: from the expanded technology acceptance model perspective.” Computers in Human Behavior: 26(5): 1111-1119. https://psycnet.apa.org/doi/10.1016/j.chb.2010.03.015
Phau, I. and M. Teah. 2009. “Devil wears (counterfeit) Prada: A Study of Antecedents and Outcomes of Attitudes towards Counterfeits of Luxury Brands.” Journal of Consumer Marketing: Vol. 26, No. 1:15-27. http://dx.doi.org/10.1108/07363760910927019
Phonthanukitithaworn, C., Sellitto, C., & Fong, M. W. L. 2016. “A Comparative Study of Current and Potential Users of Mobile Payment Services”. SAGE Open: 6(4),. http://dx.doi.org/10.1177/2158244016675397
Sreelakshmi & Sangeetha. 2020. “Continuance adoption of mobile-based payments in Covid-19 context: an integrated framework of health belief model and expectation confirmation model.” International Journal of Pervasive Computing and Communications: Vol. 16 No. 4, pp. 351-369. https://doi.org/10.1108/IJPCC-06-2020-0069
Sivathanu, B. 2018. “Adoption of digital payment systems in the era of demonetization in India: An empirical study. Journal of Science and Technology Policy Management.” https://doi.org/10.1108/JSTPM-07-2017-0033
Sharma,S. K., Govindaluri, S. M., Muharrami, S. M., & Tarhini, A. 2017. “A Multi-Analytical Model for Mobile Banking Adoption: a Developing Country Perspective.” Review of International Business and Strategy: 27(1), 133–148. https://doi.org/10.1108/RIBS-11-2016-0074.
Sun, Q., Cao, H., & You, J. 2010. “Factors influencing the adoption of mobile service in China: An integration of tam.” Journal of Computers: 5(5), 799-806. http://dx.doi.org/10.4304/jcp.5.5.799-806
Slade, E.L., Dwivedi, Y.K., Piercy, N.C., Williams, M.D., 2015. “Modeling consumers’ adoption intentions of remote mobile payments in the United Kingdom: extending UTAUT with innovativeness, risk, and trust.” Psychol. Mark. 32 (8), 860–873. http://dx.doi.org/10.1002/mar.20823
Thakur, R., 2013. “Customer adoption of mobile payment services by professionals across two cities in India: an empirical study using modified technology acceptance model.” Bus. Pers. Res. 1 (2), 17–30. http://dx.doi.org/10.1177/2278533720130203
Vankatesh, V. Davis, F.D. 2000. “A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies.” Manage. Sci., 46, 186–204. https://www.jstor.org/stable/2634758
Vimala Balakrishnan, Nor Liyana Mohd Shuib. 2021. “Drivers and inhibitors for digital payment adoption using the Cashless Society Readiness-Adoption model in Malaysia.” Technology in Society: Volume 65, https://doi.org/10.1016/j.techsoc.2021.101554.
Wei, J., Vinnikova, A., Lu, L. and Xu, J. 2020, “Understanding and predicting the adoption of fitness mobile apps: evidence from China”, Health Communication: pp. 1-12, DOI: 10.1080/ 10410236.2020.1724637.
Wijenayake, S., van Berkel, N., Kostakos, V., & Goncalves, J. 2020. “Impact of contextual and personal determinants on online social conformity.” Computers in Human Behavior: 108(1), 106-119. http://dx.doi.org/10.1016/j.chb.2020.106302
Yulia, Y. & Hilda, H. 2021. “Identifikasi Technology Digital dan Uang Digital dalam Belanja Online pada Masyarakat di Wilayah Perbatasan Kalimantan Barat.” Prosiding Seminar Nasional Penerapan Ilmu Pengetahuan Dan Teknolog: 6(1), 91–96. https://doi.org/10.26418/pipt.2021.7
Zhang, L., Zhu, J., & Liu, Q. 2012. “A meta-analysis of mobile commerce adoption and the moderating effect of culture.” Computers in Human Behavior: 28(5), 1902-1910. http://dx.doi.org/10.1016/j.chb.2012.05.008
Published
2023-09-04
How to Cite
Sutresna, I., Safira, N., & Kartono, R. (2023). INTENTION TO USE DIGITAL PAYMENT DURING THE COVID-19 PANDEMIC IN THE RURAL AREA. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 7(3), 135-154. https://doi.org/10.31955/mea.v7i3.3218
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