WILL CASHLESS PAYMENT BECOME CONSUMER'S TRANSACTION HABIT IN THE "NEW NORMAL" ERA?

The purpose of this study was to find out whether or not new habit, cashless transaction, would still be used after the Covid-19 pandemic or in the new normal era, considering that this was a situational or temporary factor.  The population of this research was individual consumers who were currently more likely to have higher intensity in cashless transactions than they did before the pandemic. This research was a study conducted during the Covid-19 pandemic in Indonesian society by examining the effect of perceived security, perceived risk, facilitating condition, Self-Efficacy of trust in online payments, and the use of cashless on Usage Continuance intention. The results of this study with 594 tested samples were two insignificant correlations. They were perceived risk toward trust in online payments and self-efficacy on usage continuance intention. These findings could support a wide range of stakeholders - both first movers/ pioneers and newcomers to the e-money segment, as the information about promotion and selection of the right market for their products

WILL CASHLESS PAYMENT BECOME CONSUMER'S TRANSACTION HABIT IN THE "NEW NORMAL" ERA?

The purpose of this study was to find out whether or not new habit, cashless transaction, would still be used after the Covid-19 pandemic or in the new normal era, considering that this was a situational or temporary factor.  The population of this research was individual consumers who were currently more likely to have higher intensity in cashless transactions than they did before the pandemic. This research was a study conducted during the Covid-19 pandemic in Indonesian society by examining the effect of perceived security, perceived risk, facilitating condition, Self-Efficacy of trust in online payments, and the use of cashless on Usage Continuance intention. The results of this study with 594 tested samples were two insignificant correlations. They were perceived risk toward trust in online payments and self-efficacy on usage continuance intention. These findings could support a wide range of stakeholders - both first movers/ pioneers and newcomers to the e-money segment, as the information about promotion and selection of the right market for their products

Why do Individuals Continue Using Mobile Payments - A Qualitative Study in China

Many financial and mobile service providers are viewing mobile payment (MP) as a strategic growth area for their business. In order to realize this anticipated growth potential, users must initially adopt and then continue to use MP systems. However, a rich and detailed user perspective of MP continuance behavior is lacking. We address part of this research gap by content-analyzing interview transcripts of 38 MP users. The findings indicate that perceived usefulness and risk, disconfirmation, satisfaction, subjective norm, and habit are important when users making MP continuance decisions

Antecedents of Trust in the Ridesharing Service: The Moderating Effect of User Experience

Trust has been recognized as a significant factor in the sharing economy. However, there is still a lack of research that empirically examines the critical antecedents of trust in the ridesharing service, especially in China. Drawing upon Zucker (1986)’s trust building framework, this study develops a theoretical model to examine four antecedents, regarding structural assurance, government support, platform reputation and disposition to trust, on users’ trust beliefs and continuance intention of ridesharing. 307 valid data was collected in one of the largest ridesharing platforms in China, and structural equation modelling method was used to examine the research model. Empirical results suggest that platform reputation is the most significant antecedent of trust, followed by government support, structural assurance and disposition to trust. Specifically, user experience positively moderates the impact of structural assurance on trust, while negatively moderates the influences of government support and platform reputation on trust. Theoretical and practical implications are discussed in the final section

Continuance usage intention and its antecedents on using OVO e-wallet application in Denpasar

This study aims to explain the effect of information quality, perceived privacy protection, perceived security protection on trust, and its effect on continuance intention to use OVO in Denpasar. This research was conducted in Denpasar, using 139 respondents. This study uses Structural Equation Modelling (SEM) analysis techniques with the Partial Least Square approach. This study shows that information quality has a positive and significant effect on trust. Perceived privacy protection has a positive and significant effect on trust and continuance usage intention. Perceived security protection has a positive and significant effect on trust and continuance usage intention. Also, this study also shows that trust has a positive and significant effect on continuance usage intention. Information quality was found that have no significant effect on the continuance usage intention

What Drives M-Shoppers to Continue Using Mobile Devices to Buy?

Producción CientíficaThe aim of this work is to offer a better understanding of consumer continued intentions to use mobile devices to shop. An integrated model is developed to identify the drivers that lead m-shoppers to repurchase. Specifically, navigation, safety and ubiquity are posited as stimuli guiding consumers’ affective (satisfaction) and cognitive (trust and convenience) reactions that will, in turn, increase repurchase intention. Results show the impact of ubiquity on m-convenience and safety m-experience on both affective and cognitive reactions. Finally, repurchase intention is explained directly by m-satisfaction and m-convenience and indirectly by m-trust. This article contributes to the fields of mobile marketing literature and practitioner management.Ministerior de Educación y ciencia (proyecto ECO2017-8217-R)Junta de Castilla y León (proyecto VA001B10-1)Fondo europeo de desarrollo regional (proyecto VA112P17

Consumers’ perception on Islamic home financing: empirical evidences on Bai Bithaman Ajil (BBA) and diminishing partnership (DP) in Malaysia

The Bai Bithaman Ajil (BBA) or Deferred Installment Sales facility is the most predominant mode of home financing in Malaysia since the introduction of Islamic banking in 1983. It is based on the debt financing where the bank buys the property from the customer and sells it back to the customer inclusive of profit. Customers make repayments at end of each month. This research examines the impact of using the prevailing debt concept which is claimed to have caused high price, customers‟ dissatisfaction, injustice and criticism by international scholars. In order to address these issues an alternative concept known as Musharakah Mutanaqisah or the Diminishing Partnership (DP) is also examined. In DP, bank and customers purchase the house jointly. The bank leases the house to the customers and rental payments are shared between them based on profit sharing ratio. The customer redeems the bank‟s share on monthly basis until full settlement after which the house is transferred to the customer. The study investigates the perceptions of customers between BBA and DP home financing products. A survey questionnaire was conducted on 300 owners and potential house owners to gauge their features and operations. The result of paired t–test indicated significant differences between these two products. DP home financing is a viable alternative to BBA home financing measured from the descriptive results and hypothesis testing. The actual implementation of DP is a challenge for the banks and requires a paradigm shift from their present role as traditional financiers

What drives consumers' e-loyalty to airlines web site? Conceptual framework and managerial implications

This study proposes a revised technology acceptance model that integrates expectation confirmation theory to measure continuance intentions of online shopping for airlines web sites. The sample respondent 465online users in Saudi Arabia. A structural equation model confirms model fit. Perceived usefulness, enjoyment, social pressure, and loyalty incentives are determinants of online flight booking continuance in Saudi Arabia. This research moves beyond online booking intentions and includes factors affecting online booking continuance. The research model explains 53% of the intention to continue booking using airlines web sites

Analisa Kepuasan Pengguna Dompet Digital DANA Melalui Continuance Use Intention Dengan Expectation Confirmation Model

Tujuan penelitian ini adalah untuk mengetahui faktor yang mempengaruhi niat penggunaan berkelanjutan pengguna dompet digital dengan menggunakan pendekatan teori Expectation Confirmation Model (ECM) yang memiliki empat konstruk, yakni confirmation, perceived usefulness, satisfaction, dan continuance use intention yang dimodifikasi dengan variabel perceived security dan self-efficacy pada pengguna DANA di Kota Surabaya. DANA merupakan salah satu e-wallet independen lokal terbesar berdasarkan pengguna aktif yang dikembangkan oleh PT. Espay Debit Indonesia Koe. Penelitian ini menggunakan pendekatan kuantitatif dengan klasifikasi sebagai explanatory research. Data yang diperoleh merupakan data primer yang didapatkan melalui penyebaran kuesioner kepada 150 responden dalam kurun waktu empat minggu. Penelitian ini menggunakan teknik Structural Equation Modeling (SEM) dengan pendekatan metode Partial Least Square (PLS) dengan bantuan Software Smart PLS 3.0. Hasil penelitian ini menunjukkan bahwa confirmation memiliki pengaruh yang signifikan terhadap perceived usefulness dan perceived security. Perceived usefulness, confirmation dan perceived security memiliki pengaruh yang signifikan terhadap satisfaction. Satisfaction dan self-efficacy memiliki pengaruh yang signifikan terhadap continuance use intention, namun perceived usefulness dan perceived security tidak memiliki pengaruh yang signifikan terhadap continuance use intention

Understanding users’ trust transfer mechanism in food delivery APP

With the rapid dissemination of mobile technologies, along with hectic life nowadays, consumers are more in favor of food delivery apps (FDA). However, many aspects related to the usage of FDAs have not been fully unearthed. Drawing upon the trust transfer theory, the study theorizes the consumer’s trust formation in FDA and investigates the antecedents of trust to platform and trust to a merchant that mediates the continuous usage intention and purchase intention. The proposed framework was tested through structural equation modeling (SEM) based on an online questionnaire. The findings illustrate the trust transfer mechanism in the context of the FDA and its effects, which have both theoretical and practical implications for different stakeholders