Users' Perception of NFC Technology in Digital Payment Transactions in Indonesia

Abstract

Near Field Communication (NFC) technology is growing and starting to be used on mobile devices such as smartphones. However, there are still differences in the factors of user perception and acceptance of the use of the NFC system in previous studies. Therefore, this study aims to analyze the influence of factors such as Actual System Use, Attitudes Toward Use, Behavioral Intentions, Perceived Ease of Use, Perceived Safety, Perceived Benefits, and Subjective Norms on user acceptance of the NFC system on smartphone users. in Indonesia. In this study, a quantitative approach was used with the online survey method which was conducted on 150 respondents who use smartphones in Indonesia. Respondents taken are smartphone users who have used NFC technology. The collected data were analyzed using the Structural Equation Modeling (SEM) method. The results of the study show that the user's perception of the ease of use and the benefits and safety of using the NFC system has a significant influence on the user's acceptance of using it. However, the subject norm for NFC technology does not have a significant effect on user acceptance. The implication of this research is the importance of paying attention to the factors that influence user perceptions in developing and promoting the use of the NFC system among smartphone users in Indonesia.