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

Authors: Achmad Nizar Hidayanto; Luqman Syauqi Hidayat; Puspa Indahati Sandhyaduhita; Putu Wuri Handayani

Addresses: Faculty of Computer Science, Universitas Indonesia, Kampus UI Depok, 16424, Indonesia ' Faculty of Computer Science, Universitas Indonesia, Kampus UI Depok, 16424, Indonesia ' Faculty of Computer Science, Universitas Indonesia, Kampus UI Depok, 16424, Indonesia ' Faculty of Computer Science, Universitas Indonesia, Kampus UI Depok, 16424, 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.

Keywords: e-payment; e-commerce; behavioural beliefs; social influences; personal innovativeness; trust; security; privacy; ease of use; convertibility; risk; relative advantages; payment system characteristics; technology adoption; Indonesia; behavioural intention; electronic payment; electronic commerce; intention to use; structural equation modelling; SEM.

DOI: 10.1504/IJBIS.2015.069065

International Journal of Business Information Systems, 2015 Vol.19 No.1, pp.58 - 86

Published online: 13 Apr 2015 *

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