Abstract
This study aims to predict the relationship of perceived usefulness, perceived ease of use, relative superiority, nature of transactions, and substitution to adoptions that affect intention to use of smart phone-based electronic money. The variables in this study are relative advantages, transaction nature, perceived usefulness, and perceived ease of use, substitution and adoption of electronic money. Data collection techniques in this study were conducted using a questionnaire with judgmental sampling method. The size of the respondents is 142 respondents. The data obtained is analyzed using Structural Equation Modeling (SEM). The results show that the six hypotheses are supported. The intention to use electronic money is also influenced by the adoption of electronic money. The adoption of electronic money is a significant predictor of intention to use electronic money. This study also provides limitations and suggestions for further research.
Highlights
At the moment, it is difficult for people to separate from the use of smartphones
Perceived ease of use variables have indicators taken from Davis (1989) and Ma’ruf (2016); substitution variables have indicators taken from the research of Niranjan et al (2016)
The variable adoption of electronic money applications has indicators taken from previous research (Rizky, 2017; Boehmke, 2009; Pane, 2014); intention variable to use has indicators taken from the research (Pratiwi, 2016; Widiatmika & Sensuse, 2012)
Summary
Social media is known to give big impact in people’s lifestyle, which lead to the efficiency marketing in social media (Chianasta & Wijaya, 2014). Many people seek business opportunities from technological advancements, such as business networks. This type of business relates to both services and products offered by the internet. The impact of technological advances in Indonesia has made changes in people’s habits. Many people see business opportunities from technological advancements, such as business in networks (Utami, 2012). Business in-network is a business activity; both services and products offered by the internet. Business providers of electronic money applications are included in network business because they deliver services through the internet. Indonesian people ask for something practical and fast in their daily activities, especially in payment activities
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