Studi Eksplorasi Faktor yang Mempengaruhi Keberlanjutan Pemakaian Layanan Mobile Payment

Main Article Content

Alfian Tan
Paulina Kus Ariningsih
Cherish Rikardo



This research explores some potential factors that affect the continuance intention of a mobile payment service. The trend of mobile payment services has been increasing since the last few years. The advancing technology of the internet and smartphone has been a supporting environment for the growth of this method. Many similar mobile payment services are offered in the community which results in a highly competitive business condition. The business owner who has put a high investment in this business will surely want to keep it running and even grow their product. Therefore, some knowledge of factors that can significantly promote the sustained use of their product to customers will be imperative. In this research, some existing models on the general repurchase intention concept and users’ continuance intention will be combined and tested to figure out some influential aspects to continuance intention concept. Seven factors are hypothesized to have direct and indirect effects. Data from 193 respondents are gathered and the results of the tested model shows perceived quality, perceived value, and brand preference subsequently influence the continuance intention. Further analysis is also conducted in this research to explain the relationship between factors as well as analysis of current mobile payment providers.


Download data is not yet available.


[1]     A. Wahyudi, “Indonesia Raksasa Teknologi Digital Asia,” 2015. [Online]. Available: [Accessed: 09-Jul-2019].

[2]     O. Yusuf, “Pengguna Internet Indonesia Nomor Enam Dunia. Kompas. com,” 2014. [Online]. Available: 07430087/Pengguna.Internet.Indonesia.Nomor.Enam.Dunia. [Accessed: 09-Jul-2019].

[3]     L. Rahardian, “Industri Pembayaran Digital : Bank dan Fintech Berebut Pasar?,” 2019. [Online]. Available: [Accessed: 09-Jul-2019].

[4]     Y. Sun and A. Jeyaraj, “Information technology adoption and continuance: A longitudinal study of individuals’ behavioral intentions,” Inf. Manag., vol. 50, no. 7, pp. 457–465, Nov. 2013.

[5]     P. K. Hellier, G. M. Geursen, R. A. Carr, and J. A. Rickard, “Customer repurchase intention: A general structural equation model,” Eur. J. Mark., vol. 37, no. 11/12, pp. 1762–1800, Jan. 2003.

[6]     C. Xiongfei, Y. Lingling, L. Zhiying, G. Mingchuan, and A. Luqman, “Understanding mobile payment users’ continuance intention: a trust transfer perspective,” Internet Res., vol. 28, no. 2, pp. 456–476, Jan. 2018.

[7]     A. Tella, “Determinants of E-Payment Systems Success: A User’s Satisfaction Perspective,” Int. J. E-Adoption, vol. 4, no. 3, pp. 15–38, 2012.

[8]     F. D. Davis, “Perceived usefulness, perceived ease of use, and user acceptance of information technology,” MIS Q., pp. 319–340, 1989.

[9]     W. H. Delone and E. R. McLean, “The DeLone and McLean model of information systems success: a ten-year update,” J. Manag. Inf. Syst., vol. 19, no. 4, pp. 9–30, 2003.

[10]   A. Putritama, “The Mobile Payment Fintech Continuance Usage Intention in Indonesia,” J. Econ., vol. 15, no. 2, pp. 243–258, 2019.

[11]   D. Koloseni and H. Mandari, “Why mobile money users keep increasing? Investigating the continuance usage of mobile money services in Tanzania,” J. Int. Technol. Inf. Manag., vol. 26, no. 2, pp. 117–145, 2017.

[12]   J. F. Hair, W. C. Black, B. J. Babin, and R. E. Anderson, “Multivariate Data Analysis 7th Edition Pearson Prentice Hall.” JOUR, 2009.

[13]   U. Sekaran and R. Bougie, Research methods for business: A skill building approach. John Wiley & Sons, 2016.

[14]   K. A. Bollen, “Indicator: Methodology,” N. J. Smelser and P. B. B. T.-I. E. of the S. & B. S. Baltes, Eds. Oxford: Pergamon, 2001, pp. 7282–7287.

[15]   H. Michael and W. Melanie, “An integrated framework for the adoption and continuance intention to use mobile payment apps,” Int. J. Bank Mark., vol. 37, no. 2, pp. 646–664, Jan. 2019.

[16]   S. Aries, C. Younghoon, and H. Youngwook, “Determinants of continuance intention to use the smartphone banking services: An extension to the expectation-confirmation model,” Ind. Manag. & Data Syst., vol. 116, no. 3, pp. 508–525, Jan. 2016.

[17]   D. Setyowati, “Persaingan Bisnis Dompet Digital Makin Ketat dan Mengerucut,” 2019. [Online]. Available: [Accessed: 25-Feb-2020].

[18]   Kominfo, “Mobile Payment Kian Ngetren,” 2019. [Online]. Available: [Accessed: 25-Feb-2020].

[19]   J.P. Morgan Global Payment Trends, “E-commerce Payments Trends: Indonesia,” 2019. [Online]. Available:

[20]   A. Parasuraman, V. A. Zeithaml, and L. L. Berry, “Servqual: A multiple-item scale for measuring consumer perc,” J. Retail., vol. 64, no. 1, p. 12, 1988.

[21]   V. A. Zeithaml, L. L. Berry, and A. Parasuraman, “The nature and determinants of customer expectations of service,” J. Acad. Mark. Sci., vol. 21, no. 1, pp. 1–12, 1993.