Exploring the Moderating Effect of Technology Readiness of User Intention in the Context of Mobile Payment Service

Abstract

Mobile technology is becoming increasingly high in use in everyday life today.At present, mobile payment is also a trend in society as one of the impacts of the high use of internet and mobile technology.However, from the aspect there is a lack of service acceptance in the mobile payment model among customers.The method used in this study is the unified theory of acceptance and use of technology and technology readiness (TR).The proposed framework identifies several factors that underlie user intentions to use mobile payment.This framework is tested on m-payment users with two mobile payment startup platforms OVO and Go Pay in Indonesia.The conceptual model developed and tested in this study focuses on the factors that determine consumer acceptance of mobile payment services.Empirical results show strong support for the effect of Performance expectancy, Effort expectancy, Social influence and Facilitating conditions on use intention in mobile payment applications.Our study offers several implications for managers in terms of marketing mobile payment solutions to increase consumer intention to use this service.

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