Mobile Payment As Financial Transactions In The Digital Era: An Empirical Analysis

Abstract

Abstract The utilization of the development of the digital economy today has changed people’s behaviour in almost all aspects of life. The use of technology such as mobile payment or often referred to as m-payment provides convenience in financial transactions. This study aims to determine the factors that influence the application of mobile payment systems by consumers. 230 respondents were surveyed online using the convenience sampling method. This study used a descriptive study using a quantitative approach. A research model was developed and proposed relationships were tested using Structural Equation Modelling (SEM). The results of the study were obtained by the factors of perceived usefulness payment, perceived ease of use, attitude toward using had a significant effect on intention to use in mobile payment based on the Chi-Squares, Probability, Chi-Squares Minimum (CMIN)/Degree of Freedom (DF), Goodness of Fit Index (GFI), Adjusted Goodness of Fit (AGFI), Comparative Fit Index (CFI), Tucker Lewis Index (TLI) and Root Mean Square Error Aproximation (RMSEA) results that are in accordance with the reference value of the structural equation modeling (Goodness of fit model). This shows that the use of mobile payments in all sectors is in great demand by all levels of society.

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