Adoption of E-Wallets in Indonesia: Integrating Mindfulness into the Technology Acceptance Model
Keywords:mindfulness, perceived usefulness, perceived ease to use, intention to use, actual use, technology acceptance model
This study investigates the main determinants of e-wallet use intention and proposes an e-wallet adoption model that includes mindfulness as a significant factor. The respondents in this study are e-wallet users between the ages of 17 and 40 who live in Bengkulu City. To collect data samples from respondents, the convenience sampling technique was used. This study's online survey questionnaires were distributed via social media platforms such as WhatsApp and Instagram. After using the listwise deletion method on SEM-AMOS with Mahalanobis Distance, 257 usable questionnaires were available for analysis. For data analysis, Confirmatory Factor Analysis (CFA), assessment of normality, and regression weights were used in this study. According to the findings, (1) mindfulness has a positive and significant effect on perceived usefulness, (2) mindfulness has a positive and significant effect on perceived ease of use, (3) perceived usefulness has a positive and significant effect on the intention to use, (4) perceived ease of use has no significant effect on the intention to use, and (5) intention to use has a positive and significant effect on actual use. This study adds to the body of knowledge by extending the concept of TAM through the incorporation of mindfulness variables into a structural model. It is suggested that providers expand their merchant partners in order to provide more benefits to customers, and that they improve more features and benefits for people who use their apps. Furthermore, this study discovered some limitations, which include a) limited geographical areas for data collection, giving opportunity for future research to expand more and will be much better if can compare respondent characteristics between cultures; b) four dimensions of mindfulness must be validated again when applied to other contexts; and c) future research can look at post-purchase phenomenon to catch e-wallet adoption even better.
Alam, M. M., Awawdeh, A. E., & Muhamad, A. I. Bin. (2021). Using e-wallet for business process development: challenges and prospects in Malaysia. Business Process Management Journal, 27(4), 1142–1162. https://doi.org/10.1108/BPMJ-11-2020-0528
Baer, R. A., Smith, G. T., Lykins, E., Button, D., Krietemeyer, J., Sauer, S., Walsh, E., Duggan, D., & Williams, J. M. G. (2008). Construct Validity of the Five Facet Mindfulness Questionnaire in Meditating and Nonmeditating Samples. Assessment, 15(3), 329–342. https://doi.org/10.1177/1073191107313003
Bailey, A. A., Pentina, I., Mishra, A. S., & Ben Mimoun, M. S. (2017). Mobile payments adoption by US consumers: an extended TAM. International Journal of Retail & Distribution Management, 45(6), 626–640. https://doi.org/10.1108/IJRDM-08-2016-0144
Bhattacherjee, & Premkumar. (2004). Understanding Changes in Belief and Attitude toward Information Technology Usage: A Theoretical Model and Longitudinal Test. MIS Quarterly, 28(2), 229–254. https://doi.org/10.2307/25148634
Brown, K. W., & Ryan, R. M. (2003). The benefits of being present: Mindfulness and its role in psychological well-being. Journal of Personality and Social Psychology, 84(4), 822–848. https://doi.org/10.1037/0022-3518.104.22.1682
Cardaciotto, L., Herbert, J. D., Forman, E. M., Moitra, E., & Farrow, V. (2008). The Assessment of Present-Moment Awareness and Acceptance. Assessment, 15(2), 204–223. https://doi.org/10.1177/1073191107311467
Chan, S., & Lu, M. (2006). Understanding Internet Banking Adoption and Use Behavior. In Journal of Global Information Management (JGIM) (Vol. 12, Issue 3, pp. 308–330). IGI Global. https://doi.org/10.4018/978-1-59140-923-6.ch014
Cheung, R., & Vogel, D. (2013). Predicting user acceptance of collaborative technologies: An extension of the technology acceptance model for e-learning. Computers & Education, 63, 160–175. https://doi.org/10.1016/j.compedu.2012.12.003
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Ganesan, V., Noor, S. M., & Jaafar, M. (2014). Communication Factors Contributing to Mindfulness: A Study of Melaka World Heritage Site Visitors. Journal of Sustainable Development, 7(3), 49–58. https://doi.org/10.5539/jsd.v7n3p49
Glavee-Geo, R., Shaikh, A. A., & Karjaluoto, H. (2017). Mobile banking services adoption in Pakistan: are there gender differences? International Journal of Bank Marketing, 35(7), 1090–1114. https://doi.org/10.1108/IJBM-09-2015-0142
Goodhue, D. L., & Thompson, R. L. (1995). Task-Technology Fit and Individual Performance. MIS Quarterly, 19(2), 213. https://doi.org/10.2307/249689
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate data analysis: Pearson College division. In Person: London, UK.
Hutami, L. T. H. (2019). Intensi Penggunaan Electronic Wallet Generasi Millenial Pada Tiga Startup “Unicorn” Indonesia Berdasarkan Modifikasi Tam. Jurnal Manajemen, 8(2), 136–145. https://doi.org/10.26460/jm.v8i2.702
Igbaria, M., Iivari, J., & Maragahh, H. (1995). Why do individuals use computer technology? A Finnish case study. Information & Management, 29(5), 227–238. https://doi.org/10.1016/0378-7206(95)00031-0
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310–322. https://doi.org/10.1016/j.chb.2009.10.013
Legris, P., Ingham, J., & Collerette, P. (2003). Why do people use information technology? A critical review of the technology acceptance model. Information & Management, 40(3), 191–204. https://doi.org/10.1016/S0378-7206(01)00143-4
Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2014). Antecedents of the adoption of the new mobile payment systems: The moderating effect of age. Computers in Human Behavior, 35, 464–478. https://doi.org/10.1016/j.chb.2014.03.022
Matemba, E. D., & Li, G. (2018). Consumers’ willingness to adopt and use WeChat wallet: An empirical study in South Africa. Technology in Society, 53, 55–68. https://doi.org/10.1016/j.techsoc.2017.12.001
Mexon, J., & Kumar.A, A. (2020). Business Research Methods. Skyfox Publishing Group. https://doi.org/10.22573/spg.020.BK/S/026
Moore, G. C., & Benbasat, I. (1991). Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation. Information Systems Research, 2(3), 192–222. https://doi.org/10.1287/isre.2.3.192
Muk, A., & Chung, C. (2015). Applying the technology acceptance model in a two-country study of SMS advertising. Journal of Business Research, 68(1), 1–6. https://doi.org/10.1016/j.jbusres.2014.06.001
Muñoz-Leiva, F., Climent-Climent, S., & Liébana-Cabanillas, F. (2017). Determinants of intention to use the mobile banking apps: An extension of the classic TAM model. Spanish Journal of Marketing - ESIC, 21(1), 25–38. https://doi.org/10.1016/j.sjme.2016.12.001
Pandy, S. M., & Crowe, M. (2017). Choosing a Mobile Wallet: The Consumer Perspective. Federal Reserve Bank of Boston, 9, 1–23.
Park, N., Rhoads, M., Hou, J., & Lee, K. M. (2014). Understanding the acceptance of teleconferencing systems among employees: An extension of the technology acceptance model. Computers in Human Behavior, 39, 118–127. https://doi.org/10.1016/j.chb.2014.05.048
Pavlou, P. A. (2003). Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model. International Journal of Electronic Commerce, 7(3), 101–134. https://doi.org/10.1080/10864415.2003.11044275
Peng, R., Xiong, L., & Yang, Z. (2012). Exploring Tourist Adoption of Tourism Mobile Payment: An Empirical Analysis. Journal of Theoretical and Applied Electronic Commerce Research, 7(1), 5–6. https://doi.org/10.4067/S0718-18762012000100003
Phonthanukitithaworn, C., Sellitto, C., & Fong, M. W. L. (2016). A Comparative Study of Current and Potential Users of Mobile Payment Services. SAGE Open, 6(4), 215824401667539. https://doi.org/10.1177/2158244016675397
Rigopoulos, G., & Askounis, D. (1970). A TAM Framework to Evaluate UsersÃ¢ Â Â Perception towards Online Electronic Payments. The Journal of Internet Banking and Commerce, 12(3), 1–6.
Rilo Pambudi, S. E. (2012). Analisis Pengaruh Big Five Personality terhadap Perilaku Penggunaan Teknologi Electronic Wallet (e-Wallet) dengan moderasi Awal Kepercayaan (Initial Trust). Universitas Gadjah Mada.
Roberts, N., Thatcher, J., & Klein, R. (2007). Tying context to Post-Adoption Behavior with information Technology: A conceptual and operational definition of mindfulness. 4, 1–6.
Sekaran, U. (2006). Metodologi penelitian untuk bisnis edisi 4. In Jakarta: Salemba Empat.
Shaw, N. (2014). The mediating influence of trust in the adoption of the mobile wallet. Journal of Retailing and Consumer Services, 21(4), 449–459. https://doi.org/10.1016/j.jretconser.2014.03.008
Shin, D.-H. (2009). Towards an understanding of the consumer acceptance of mobile wallet. Computers in Human Behavior, 25(6), 1343–1354. https://doi.org/10.1016/j.chb.2009.06.001
Suki, N. M., & Suki, N. M. (2011). Exploring the relationship between perceived usefulness, perceived ease of use, perceived enjoyment, attitude and subscribers’ intention towards using 3G mobile services. Journal of Information Technology Management, 22(1), 1–7.
Sun, H., & Fang, Y. (2010). Toward a model of mindfulness in technology acceptance (pp. 12–15).
Sun, H., Fang, Y., & Zou, H. (2016). Choosing a Fit Technology: Understanding Mindfulness in Technology Adoption and Continuance. Journal of the Association for Information Systems, 17(6), 377–412. https://doi.org/10.17705/1jais.00431
Sun, Q., Wang, C., & Cao, H. (2009). An Extended TAM for Analyzing Adoption Behavior of Mobile Commerce. 2009 Eighth International Conference on Mobile Business, 52–56. https://doi.org/10.1109/ICMB.2009.16
Szajna, B. (1996). Empirical Evaluation of the Revised Technology Acceptance Model. Management Science, 42(1), 85–92. https://doi.org/10.1287/mnsc.42.1.85
Tangke, N. (2004). Analisa Penerimaan Penerapan Teknik Audit Berbantuan Komputer (TABK) Dengan Menggunakan Technology Acceptance Model (TAM) Pada Badan Pemeriksa Keuangan (BPK) RI. Jurnal Akuntansi Dan Keuangan, 6(1), 10–28.
Venkatesh, Morris, Davis, & Davis. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
Venkatesh, Thong, & Xu. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157. https://doi.org/10.2307/41410412
Wu, J.-H., & Wang, S.-C. (2005). What drives mobile commerce? Information & Management, 42(5), 719–729. https://doi.org/10.1016/j.im.2004.07.001
Yi, M. Y., & Hwang, Y. (2003). Predicting the use of web-based information systems: self-efficacy, enjoyment, learning goal orientation, and the technology acceptance model. International Journal of Human-Computer Studies, 59(4), 431–449. https://doi.org/10.1016/S1071-5819(03)00114-9
How to Cite
Copyright (c) 2023 Authors
This work is licensed under a Creative Commons Attribution 4.0 International License.
Copyright @2022. This is an open-access article distributed under the terms of the Creative Commons Attribution 4.0 International License (https://creativecommons.org/licenses/by/4.0/) which permits unrestricted to copy and redistribute the material in any medium or format, remix, transform, and build upon the material for any purpose, even commercially.
This work is licensed under a Creative Commons Attribution 4.0 International License.