The Role of Trust on the Continuance Usage Intention of Indonesian Mobile Payment Application

Keywords: mobile payment, continuance intention, trust, gender, perceived risk

Abstract

Mobile payment is a fascinating innovation, developed by the banking and fintech industries. It is growing very fast, shadowing the popularity of smartphones in Indonesia. However, the continuance usage intention of mobile payment still needs to be determined. Based on prior studies, this study investigates trust as an important factor in promoting the m-payment continuance usage intention.Furthermore, drawing upon the innovation diffusion theory, the study uses the model by Shao et al. (2019) to investigate the antecedents of trust: mobility, customization, security, and reputation, and analyzes the moderating effect of gender on the relationship between trust and its antecedents. It also examines the impact of trust on the perceived risk and continuance intention; and the perceived risk on the continuance intention. The postulated links between the variables were tested using a survey design. With 225 respondents who are e-wallet users in Indonesia, the study finds a positive effect of reputation, security, and customization on trust. Trust positively influences continuance intention, while the link between trust and perceived risk is negative. Compared to the previous study by Shao et al. (2019), the current study finds insignificant relationships between mobility and trust, as well as between the perceived risk and continuance intention. Furthermore, there was no moderating effect of gender on the relationship between trust and its antecedents.

Author Biographies

Ayu Diana Ansori, Universitas Negeri Yogyakarta

Ansori, Ayu Diana, is a lecturer at Yogyakarta State University. She earned Bachelor Degree in Management (2016) from Gadjah Mada University, and her Master of Busi- ness Administration (2021) from Gadjah Mada University. Her research interests are m-payment, satisfaction, and consumer behavior.

Author’s contact detail: Address: Timoho Residence1/1, Yogyakarta; phone number: +628112631008; Email: ayudiana@uny.ac.id

Sahid Susilo Nugroho, Universitas Gadjah Mada

Nugroho, Sahid Susilo, is a lecturer and marketing researcher at Gadjah Mada University. He earned his Doctorandus in Management (1992) from Gadjah Mada University, his Master of Science in International Business (2003) from the University of Groningen, the Netherlands, and Doctor of Business Administration (2005) from Maastricht School of Management at Maasticht, the Netherlands. His research in- terests encompassing Online Shopping, Influencer Marketing, Mobile Payment, and Artificial Intelligence. He has publications in national and international journals, the recent ones include Young Consumers, Journal of Global Fashion Marketing, Journal of Financial Service Marketing, and International Journal of Bank Marketing.

Author’s contact detail: Address: FEB UGM, Jl. Humaniora 1, Bulaksumur, Yogyakarta 55128; phone number: +6281227090000; Email: sahid@ugm.ac.id

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Published
2024-05-02
How to Cite
Ansori, A. D., & Nugroho, S. S. (2024). The Role of Trust on the Continuance Usage Intention of Indonesian Mobile Payment Application. Gadjah Mada International Journal of Business, 26(2), 233-259. Retrieved from https://journal.ugm.ac.id/v3/gamaijb/article/view/14792
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Articles