Mediation Model of Relative Advantage in Mobile Payment

Abstract

Interest in using mobile payments is influenced by the characteristics of mobile payments, such as the level of mobility. Currently, there are many mobile payment options, including e-wallet, their use continues to increase but user consistency still needs to be evaluated, this is aimed at maintaining sustainable technology usage. The purpose of this study is to examine the relationship between mobility, relative advantage and intention to use. The final goal is to find a model that is able to increase the intention to use mobile payment, thereby maintaining the sustainability of technology use. The research method is carried out through a quantitative survey, a survey conducted on mobile payment e-wallet users in the city of Bandung as many as 227 respondents. The data from the respondents was obtained through a questionnaire that had previously been determined quantitatively. The data is processed through path analysis using the SmartPLS tool, while the inner and outer tests are used to test the research model. The research model was tested based on the results of the research hypothesis test. The results of the study stated that mobility as the main characteristic of mobile payment e-wallet has a positive relationship with the user's relative advantage. Relative advantage is stated to have a positive relationship with the intention to use mobile payment. However, it is immediately known that mobility does not have a significant relationship with intention to use. The findings of this study explain the importance of the relative advantages of mobile payments that need to be built by service providers in supporting the relationship between mobility and intention to use. The findings of this study support being able to support the creation of a sustainable for using technology in mobile payment in Indonesia, if the relative advantage can be considered as the value of mobile payment.