Abstract
Near Field Communication (NFC) mobile payment systems allow users to utilize services through smartphones. There is insufficient literature exploring the adoption of NFC with payment scenarios in developing countries. This study aims to explore the influential factors of consumer adoption of NFC, taking payment behaviors through NFC in Indonesia as an example. One hundred forty-seven participants were enrolled in the 5-point Likert scale survey, and 124 valid samples were analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that trust mediates the effect of context on consumers' continuous intention to use NFC mobile payment. Additionally, trust mediates the effect of perceived risk on consumers' continuous intention to use. The perceived ease of use and perceived usefulness have no effects on consumers' continuous intention to use. The mediating effect of religiosity has not been observed in this study. The findings can enbale service providers and local governments to offer better mobile payment services.
Highlights
The diffusion of smartphones and the innovation of information and communication technology have changed the way people live and changed all aspects of the whole society
This study aims to explore the influential factors of consumer adoption of Near Field Communication (NFC), taking payment behaviors through NFC in Indonesia as an example
One hundred forty-seven participants were enrolled in the 5-point Likert scale survey, and 124 valid samples were analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM)
Summary
The diffusion of smartphones and the innovation of information and communication technology have changed the way people live and changed all aspects of the whole society. The number of mobile broadband subscriptions has a significant increase from 2016 to 2017, suggesting that the consumers in Indonesia are willing to accept the mobile technologies. With the gradually improving infrastructure of the telecommunications industry and climate of encouraging from the government, Indonesians obtain the relevant knowledge to connect with innovative technologies and feel easy to use mobile applications, including mobile payment adoption (Khatimah and Halim, 2016). GSMA (2011) reports that NFC has many benefits compared with past technologies (e.g., SMS), consumers are reluctant to use this new system (Mallat, 2007). This study has been conducted to explore the influential factors of the adoption of NFC technology, aiming to help the Indonesian governments realize a cashless society and help organizations to transform.
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