Analysis of factors affecting continuance use intention of the electronic money application in Indonesia

Abstract

The adoption phase mainly dominates research on mobile payment in Indonesia. With the popularity of mobile payment and the fast growing number of payment providers, it’s important to study factors that influence mobile payment’s continuance intention, especially electronic money. This study uses an Expectation-Confirmation Model (ECM) framework to explore the Perceived Usefulness, Perceived Security & Privacy, Trust, and Satisfaction factors that affect the continuance intention. Also, this research investigates the antecedents of Perceived Security & Privacy and Trust, namely Security Technology Protection, Security Rules & Policy, Security Responsibility Commitment, Coverage of Mobile Payment Context, and Uncertainty Avoidance. This study uses a quantitative approach using online questionnaires with 426 respondents. The results show that Perceived Usefulness, Satisfaction, and Trust strongly influence the continuance use intention of electronic money applications. Application providers should improve Security Responsibility Commitment because it can affect Trust directly or indirectly through Perceived Security & Privacy. Apart from Security Responsibility Commitment, Security Technology Protection and Uncertainty Avoidance are also antecedents of Perceived Security & Privacy. This research provides understanding and guidelines for increasing the continuance use intention of electronic money applications, especially in developing countries.

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