Apakah compatibility dan reputasi aplikasi menjadi penentu perilaku konsumen untuk menggunakan pembayaran seluler?

Penelitian ini menggabungkan Innovation Diffusion Theory (IDT) dan Trust Building Model Theory , variabel compatibility atau kesesuaian dan reputation atau reputasi digunakan untuk mengukur niat dan aktual penggunaan pembayaran seluler yang ada di Indonesia. Hasil uji deskriptif menyatakan bahwa OVO, Go-Pay dan Dana menjadi tiga besar pilihan aplikasi para responden yang diteliti. Jenis penelitian ini menggunakan jenis penelitian kuantitatif. Sample yang digunakan adalah sebanyak 143 responden yang didapatkan  dari berbagai kalangan. Data dikumpulkan dengan menggunakan teknik purposive sampling dan dengan instrumen angket dan pengukuran menggunakan  skala semantic deferensial. Pendekatan analisis jalur yang diolah dengan persamaan model struktural menggunakan Lisrel 8.7. Hasil penelitian menunjukkan bahwa compatibility suatu aplikasi berpengaruh signifikan terhadap niat dan aktual penggunaan pembayaran seluler sedangkan reputation  dari aplikasi yang digunakan  tidak berpengaruh secara signifikan terhadap niat dan aktual penggunaan pembayaran seluler. Penelitian ini menyimpulkan bahwa aplikasi yang sesuai dan cocok dengan kebutuhan konsumen akan selalu menjadi produk yang dipilih

E-loyalty formation of Generation Z: Personal characteristics and social influences

Purpose: This study examines the personal characteristics and social influence of Generation Z on their e-loyalty towards tourism websites. In contrast to previous models, this study explores the effect of perceived compatibility and innovativeness (personal characteristics) and subjective norm (social influence) on perceived usefulness and trust on tourism websites, which in turn influence e-loyalty in a generational context. These factors are crucial in e-commerce, but they have not been studied together in the context of tourism, especially for Generation Z. Methods: Using a sample size of 389 respondents falling within Generation Z in India, the proposed model was validated using PLS-SEM. A quantitative approach was followed in this study and the data was collected by using a survey questionnaire. Results: Within the wider context of technology adoption, the findings show the decisive role of both personal characteristics and social influence in determining the e-loyalty of Generation Z towards tourism websites. Implications: The implications of understanding the e-loyalty of Generation Z may assist tourism firms in retaining them by developing and implementing effective marketing strategies. Moreover, the study’s most significant contribution is that it considers Generation Z, a generation that will shape the world’s future economy and a digital sector with significant purchasing power and influence

Consumer use of Mobile Payments as a mode of remittance for e-Commerce in a developing economy

E-commerce is penetrating emerging economies in sub-Saharan Africa as customers seek convenient shopping experiences that offer high quality products. This has led to the emergence of e-commerce, a borderless channel, which both regionally local and international retailers have exploited. The low income market segment of e-commerce customers has been found to be apprehensive of e-commerce due to trust concerns over card-mandating payment solutions, living a large unbanked market in developing economies excluded from the e-commerce experience due to a lack of inclusive electronic payment systems. Mobile payment systems offer a source of distinctive value for both merchants and consumers, thereby increasing the e-commerce market. Due to their high level of adoption, mobile payments are capable of providing a mode for reaching new market segments and opening opportunities to bring value propositions to segments that had been unreachable in the past. This study sought to uncover the perception of consumers in an emerging economy about the use of mobile payments as a mode of remittance in e-commerce transactions. This was done by describing the factors that influence the intention to use mobile payments on internet stores. The study also investigated the effect of demographic profile on intention and use in the South African context. An online questionnaire was developed and distributed to a convenience sample of retail consumers on social media platforms, and the collected data was analysed using the SPSS statistical package. The results confirmed that compatibility, personal innovativeness, perceived trust, perceived regulatory support, and promotional benefit have a direct influence to intention to use mobile payments as a mode of remittance for e-commerce transactions. Furthermore, social influence does not have a direct influence on intention to use mobile payments in the South African context. The results also revealed that, in South Africa, the largest population group, male and female gender groups do not differ in their opinion around mobile payments. The study findings illustrate the importance of context when considering technology innovation introduction to a new market. Despite social influence not being found to be a factor for intention to use mobile payments in the South African context, the same conclusion should not be generalised as it is contextual. Recommendations and conclusions were drawn from the discussion of the findings of this research

Risk, Trust, and Compatibility as Antecedents of Mobile Payment Adoption

Mobile payments (m-payments) appear to have the potential to be among the more popular of mobile services, however, take-up has been lower than anticipated, and given associated levels of investment, the issue is of strategic organizational concern. This paper presents a study investigating consumer intentions toward m-payments, extending existing knowledge by developing and evaluating a model that incorporates factors relevant to the m-payment context, including a multi-dimensional treatment of perceived risk. Empirical data to test the model were captured in a region expected to exhibit strong mobile data traffic growth, and were analyzed using variance-based structural equation modeling. The empirical application of the model augments knowledge at the human level of the formation of consumer intentions to use m-payments. The authors also suggest a contribution from an organizational and managerial perspective through presenting information that has implications for development, management, and marketing of m-payment services