USER’S ACCEPTANCE OF DIGITAL PAYMENT SERVICES: JAKARTA PERSPECTIVE

Abstract

Digital payment is a rapidly evolving technology in the business world. Research in the field of
digital payment acceptance that combines factors of Trust and Perceived Risk with Technology
Acceptance Model (TAM) has frequently been done previously. This study examines the
influence of Trust, Perceived Risk and Technology Acceptance Model (TAM) on customer’s
acceptance of digital payment in the city of Jakarta. The purpose of this study is to determine the
characteristics of the use of digital payment sites and applications in Jakarta and to know what
variables of Trust, Perceived Risk and Technology Acceptance Model (TAM) affect customer’s
acceptance of digital payment in Jakarta. The hypothesis proposed in this study was tested using
SEM analysis or Stuctural Equation Modeling program operated through AMOS. The results of
the study proved the influence of the Trust, Perceived Usefulness and Perceived Risk on
Behavior Intention. It means the Trust, Perceived Usefulness and Perceived Risk affect
customer’s acceptance of digital payment in the city of Jakarta. Therefore, the development of
the study should become an important consideration that Trust affects the use of digital payment
on a daily basis and the use of digital payment in the future.