Title: SMEs' continuing intentions using mobile payments: an extension of the expectation confirmation model

Authors: Anna Widayani; Ika Rachmawati; Nilawati Fiernaningsih; Pudji Herijanto

Addresses: Department of Digital Offices Operationalization, State Community College of Putra Sang Fajar Blitar, Indonesia ' Department of Digital Offices Operationalization, State Community College of Putra Sang Fajar Blitar, Indonesia ' Department of Business Administration, State Polytechnic of Malang, Indonesia ' Department of Business Administration, State Polytechnic of Malang, Indonesia

Abstract: The surge in smartphone ownership across Indonesia has propelled the widespread adoption of mobile payment technology, significantly impacting the digital economy landscape. Despite this upward trend, challenges persist in shifting consumer and merchant behaviour toward digital payment methods. In East Java, micro and small enterprises (MSE) encounter barriers such as technological uncertainties, security apprehensions, and a limited understanding of the advantages offered. Consequently, further investigation is imperative to comprehend MSEs' adoption behaviour concerning mobile payments and formulate more productive strategies to bolster adoption rates and usage among MSEs. This study, encompassing 400 MSE proprietors in East Java, utilised the SEM-PLS analytical approach to assess the influence of confirmation, perceived usefulness, and satisfaction on the sustained intention to use mobile payments. Findings underscored the significant and affirmative impact of confirmation, perceived usefulness, and satisfaction on the prolonged intention to engage with mobile payment platforms.

Keywords: continuous intentions; satisfaction; perceived usefulness; confirmation; SME; mobile payment; micro and small enterprises; MSE.

DOI: 10.1504/IJBFMI.2026.150462

International Journal of Business Forecasting and Marketing Intelligence, 2026 Vol.11 No.1, pp.77 - 91

Received: 25 May 2024
Accepted: 08 Jun 2024
Published online: 15 Dec 2025 *

Full-text access for editors Full-text access for subscribers Purchase this article Comment on this article