What should be considered for acceptance mobile payment: An investigation of the factors affecting of the intention to use system services T-cash

Abstract

E-Money mobile payments, also called digital money, are electronic payments, payment transactions using an Internet network integrated with NFC-enabled smartphones and prepaid cards. In Indonesia not only banks that issue e-money products, telecom operators from Telkomsel also issued an e-money product called T-cash. T-cash is a new innovation of electronic money presented by Telkomsel. The purpose of this study was to check the effect of responsiveness, smartness, perceived ease of use, perceived usefulness, social influence, and security against the intention to use T-cash. The data used in this study include primary and secondary data. Respondents in this study are users of T-cash products in Yogyakarta as many as 115 respondents. While the data were collected by using the questionnaire to then be analyzed using the amos analysis technique 22.0. The results of the analysis prove that two characteristics of technology, responsiveness and smartness have a significant effect on perceived usefulness. Ease of use has a significant effect on perceived usefulness. Ease of use, usefulness and security have a significant effect on intention to use. The higher the level of responsiveness, smartness, ease of use, perceived usefulness and security will also increase the use of T-cash social influence factors have no effect on intention to use.