Examining the relationship of payment system characteristics and behavioural intention in e-payment adoption: a case of Indonesia

Abstract

This study is conducted to analyse factors that influence the behavioural intention to use e-payment system on e-commerce in Indonesia. The proposed model in this research combines behavioural theory of technology acceptance in terms of behavioural beliefs, social influences, and personal innovativeness with the characteristics of an ideal payment system. The model was tested by the structural equation modelling (SEM) using LISREL 8.8 software. The analysis result of 203 respondents showed that Indonesian customers tend to only consider the advantages they gain when adopting e-payment and ignore the risks associated with the technology. Concerning e-payment system characteristics, it was also proven that ease of use, privacy, trust, security, and convertibility influence directly and indirectly the intention to adopt e-payment.

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