Memahami Perilaku Penerimaan Mobile Payment di Kalangan Muda (Mahasiswa) Menggunakan Pengembangan Model IMMPA

 (*)Dewi Widyawati Mail (Universitas Islam Indonesia, Yogyakarta, Indonesia)
 Wing Wahyu Winarno (Sekolah Tinggi Ilmu Ekonomi YKPN Yogyakarta, Indonesia)

(*) Corresponding Author

Submitted: March 7, 2020; Published: April 25, 2020


Since the emerge of digital commerce in the form of m-commerce, mobile payment services have started to get global attention. Easy access to mobile payment services, the benefits offered, and the clarity of the regulations that govern them, have not yet fully attracted the interest of all Indonesian people to use them. Changing the behavior of transactions to mobile payments in line with access to the digital economy, which has the potential to increase a country's economic growth even to the macro level. This study will identify the determinants of actual acceptance and use of mobile payment services among young people. Younger users are more likely to receive and adopt technology and technology services, especially young people who are in the campus environment, so students will be taken as respondents in this study. This study uses the Integrated Model on Mobile Payment Acceptance (IMMPA) by Di Pietro et al. (2015) and adding one construct that is relevant to the factors that influence the use of mobile payment services, namely Trust. Another new construct developed from the IMMPA model is Perceived Security which is linked to Trust. The theoretical framework was tested using the Structural Equation Model (SEM). The research findings show that Intention to Use strongly influences User's Behavior, while Intention to Use is strongly influenced by Trust. Perceived security influences Trust. Ease of Use affects Usefulness


Mobile Payment, IMMPA, User’s Behavior, Trust, SEM

Full Text:


Article Metrics

Abstract view : 367 times
PDF - 200 times


L. Da Chen, “A model of consumer acceptance of mobile payment,” Int. J. Mob. Commun., vol. 6, no. 1, pp. 32–52, 2008.

S. G. Dewan and L. Chen, “Mobile Payment Adoption in the US: A Cross-industry, Crossplatform Solution,” J. Inf. Priv. Secur., vol. 1, no. 2, pp. 4–28, 2005.

M. Cocosila and H. Trabelsi, “An integrated value-risk investigation of contactless mobile payments adoption,” Electron. Commer. Res. Appl., vol. 20, pp. 159–170, 2016.

T. Segara, “Siaran Pers,” 2014.

PwC Report, “It’s time for a consumer-centred metric: introducing ‘return on experience,’” Glob. Consum. Insights Surv., 2019.

Z. Hu, S. Ding, S. Li, L. Chen, and S. Yang, “Adoption intention of fintech services for bank users: An empirical examination with an extended technology acceptance model,” Symmetry (Basel)., vol. 11, no. 3, 2019.

P. G. Schierz, O. Schilke, and B. W. Wirtz, “Understanding consumer acceptance of mobile payment services: An empirical analysis,” Electron. Commer. Res. Appl., vol. 9, no. 3, pp. 209–216, 2010.

T. Zhou, “An empirical examination of continuance intention of mobile payment services,” Decis. Support Syst., vol. 54, no. 2, pp. 1085–1091, 2013.

D. L. Amoroso and R. Magnier-Watanabe, “Building a Research Model for Mobile Wallet Consumer Adoption: The Case of Mobile Suica in Japan,” J. Theor. Appl. Electron. Commer. Res., vol. 7, no. 1, pp. 13–14, 2012.

C. Kim, M. Mirusmonov, and I. Lee, “An empirical examination of factors influencing the intention to use mobile payment,” Comput. Human Behav., vol. 26, no. 3, pp. 310–322, 2010.

Y. Kim, J. Choi, Y. J. Park, and J. Yeon, “The adoption of mobile payment services for ‘fintech,’” Int. J. Appl. Eng. Res., vol. 11, no. 2, pp. 1058–1061, 2016.

I. Ajzen, “From intentions to actions: A theory of planned behavior,” Action Control, vol. 3, pp. 11–39, 1985.

L. Di Pietro, R. Guglielmetti Mugion, G. Mattia, M. F. Renzi, and M. Toni, “The Integrated Model on Mobile Payment Acceptance (IMMPA): An empirical application to public transport,” Transp. Res. Part C Emerg. Technol., vol. 56, pp. 463–479, 2015.

H. Karjaluoto, M. Mattila, and T. Pento, “Factors underlying attitude formation towards online banking in Finland,” Int. J. Bank Mark., vol. 20, no. 6, pp. 261–272, 2002.

A. Bhuwaneswary, “Perilaku Belanja Online Dan Kontrol Diri Mahasiswa,” Perilaku Belanja Online Dan Kontrol Diri Mhs. Belitung Di Yogyakarta Tahun 2016, vol. 9, pp. 222–234, 2016.

F. J. Davis, “A Technology Acceptance Model For Empirically Testing New End-User Information Systems: Theory And Results,” Management, no. 3652, pp. 1–291, 1985.

E. Rogers, Diffusion of innovation. New York: Free Press, 1995.

V. Venkatesh, M. G. Morris, G. B. Davis, and F. D. Davis, “User Acceptance Of Information Technology: Toward A Unified View,” vol. 27, no. 3, pp. 425–478, 2003.

J. Fan, M. Shaou, Y. Li, and X. Huang, “Industrial Management & Data Systems Article information : Understanding users ’ attitude toward mobile payment use : a comparative study,” p. 19, 2017.

C. Kim, W. Tao, N. Shin, and K. S. Kim, “An empirical study of customers’ perceptions of security and trust in e-payment systems,” Electron. Commer. Res. Appl., vol. 9, no. 1, pp. 84–95, 2010.

C. C. S. M. Phonthanukitithaworn, An investigation of mobile payment (m-payment) services in Thailand, vol. 8, no. 1. 2016.

A. Y. L. Chong, F. T. S. Chan, and K. B. Ooi, “Predicting consumer decisions to adopt mobile commerce: Cross country empirical examination between China and Malaysia,” Decis. Support Syst., vol. 53, no. 1, pp. 34–43, 2012.

J. F. Hair, R. E. Anderson, R. L. Tatham, and W. C. Black, Multivariate Data Analysis, 5th international ed. New Jersey: Prentice- Hall, Inc, 1998.

F. Liébana-Cabanillas, J. Sánchez-Fernández, and F. Muñoz-Leiva, “Antecedents of the adoption of the new mobile payment systems: The moderating effect of age,” Comput. Human Behav., vol. 35, pp. 464–478, 2014.

E. Slade, M. Williams, Y. Dwivedi, and N. Piercy, “Exploring consumer adoption of proximity mobile payments,” J. Strateg. Mark., vol. 23, no. 3, pp. 209–223, 2015.

G. C. Moore and I. Benbasat, “Development of an instrument to measure the perceptions of adopting an information technology innovation,” Inf. Syst. Res., vol. 2, no. 3, pp. 192–222, 1991.

F. Calisir, C. Altin Gumussoy, and A. Bayram, “Predicting the behavioral intention to use enterprise resource planning systems: An exploratory extension of the technology acceptance model,” Manag. Res. News, vol. 32, no. 7, pp. 597–613, 2009.

Bila bermanfaat silahkan share artikel ini

Berikan Komentar Anda terhadap artikel Memahami Perilaku Penerimaan Mobile Payment di Kalangan Muda (Mahasiswa) Menggunakan Pengembangan Model IMMPA


  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

STMIK Budi Darma
Sekretariat : Jln. Sisingamangaraja No. 338 Telp 061-7875998
email :

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.