Abstract:
Technology continues to develop, including payment media made online through applications. The presence of technology in payment applications aims to facilitate users and support user performance in their activities. Mobile payment e-wallet is one of the payment media currently increasing in use in Indonesia. Several advantages are considered capable of influencing the use of mobile payment e-wallets. Based on the phenomenon of the problem that occurs, the purpose of this study is to examine factors that can increase the perceived ease of use of mobile payment users, including responsiveness, smartness, and mobility. The research method used in this study is a survey with quantitative data; a survey was conducted to 290 respondents of mobile payment e-wallet users in Bandung (Indonesia). Data from respondents was obtained using a questionnaire; then the data was tabulated and processed by linear regression analysis to find a factor analysis model. The analytical tool used in SPSS was used to process the linear regression analysis also to test the research instrument. The research hypothesis was tested to confirm the factor analysis model. The model tested is then assessed for the level of moderation through gender, namely men and women as one of the characteristics of mobile payment users. Based on the test results, it is known that mobility, responsiveness, and smartness assessed by mobile payment e-wallet users have a positive relationship with the ease-of-use percentage. The essence of this study explains that perceived ease of use can be controlled by supporting factors, namely the mobility of the use of e-wallet, the level of responsiveness of the application, and the view of smartness in using an e-wallet. There is a moderation based on gender, and research findings explain that male gender supports the relationship between responsiveness and mobility, while female gender only supports the relationship between mobility and perceived ease of use. The findings of this study can be used as recommendations for e-wallet service providers in Indonesia, especially banking; several things that are considered by users that need to be considered in mobile payments are mobility, responsiveness, and smartness
Page(s):
3696-3706
DOI:
DOI not available
Published:
Journal: Journal of Theoretical and Applied Information Technology, Volume: 100, Issue: 11, Year: 2022
Keywords:
Mobility
,
Perceived ease of use
,
Responsiveness
,
Smartness