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The influence of consumer trust in consumer behaviour toward mobile payment applications amongst young professionals
... According to data from the Scopus database, see Fig. 1, there is an observable increasing trend in the number of publications over the recent years. This can be attributed to several reasons, such as; (1) Mobile payments have become key in the digital shift of financial transactions, moving away from traditional cash and card methods [28][29][30][31][32][33]. (2) Mobile payments are now essential in modern life, offering benefits across social, commercial, and technological areas [34][35][36][37][38]. (3) Mobile payment services, including wallets, P2P transfers, and contactless methods, have gained popularity [39][40][41][42]. ...
... The International Telecommunication Union (ITU) further broadens this definition, describing mobile payment as "any financial transaction in which a mobile device is employed to initiate, authorize, and confirm money transfers, either directly or indirectly." This expansive concept spans a wide array of financial services, ranging from mobile banking to point-of-sale transactions conducted via mobile devices [23,35,[67][68][69]. ...
In recent times, the concept of financial inclusion within the digital landscape has garnered significant attention, especially in developing economies. This surge in interest is closely aligned with the increased accessibility and availability of information technology, which has facilitated easier access to banking services. Traditional brick-and-mortar banks have been progressively replaced by virtual banking via mobile devices. The prevalence of mobile banking and smartphone-based payments has witnessed substantial growth. Against this backdrop, this paper endeavors to investigate the pivotal role played by mobile payment in advancing digital financial inclusion. The study harnessed the strengths of a cross-sectional research design, employing a quantitative questionnaire distributed to 239 customers actively using Jordanian banking applications. The research findings underscore the significant and affirmative impact of mobile payment dimensions, particularly those derived from the UTAUT framework, with social influence emerging as the dimension with the most substantial effect size on digital financial inclusion. Considering these findings, the paper offers a set of recommendations, prominently advocating for policymakers to bolster regulatory frameworks that foster creativity, financial literacy, and educational initiatives seamlessly integrated into mobile payment platforms, thereby enhancing users’ knowledge and their ability to make sound financial decisions.
... Gaya hidup: Merupakan pola hidup individu yang diekspresikan melalui kegiatan, minat dan pendapat orang lain, sehingga dapat mempengaruhi perilaku konsumen. Hal ini sudah dikaji oleh (Ittaqullah et al., 2020;Kushwaha, 2021 (Ariffin and Lim, 2022;Rahman et al., 2021). Sikap: Merupakan suatu pernyataan evaluatif terhadap sesuatu yang mencerminkan perasaan individu. ...
Perilaku merupakan salah satu bagian dari psikologi dinamis individu yang dapat diidentifikasi dari sebab dan akibat suatu keadaan di lingkungan sekitarnya, terwujud dalam bentuk fantasi, komunikasi, dan aktivitas fisik. Perilaku cenderung berkonsentrasi pada pola perubahan historis tanpa perlu penyesuaian pada tingkat kelompok atau populasi. Perilaku terdiri dari beberapa aspek diantaranya evaluasi, ekspresif, afektif dan eksekutif. Oleh sebab itu perilaku dapat diartikan sebagai reaksi individu terhadap konvergensi fisiologis, sosial, ego, kesan, keyakinan, konsep, selera, preferensi, realitas objektif, dan subjektif.
Ketika memahami perilaku konsumen sering digunakan teori perilaku yang direncanakan sebagai teori dasar. Ketika mengenali perilaku konsumen tidaklah semudah apa yang dibayangkan. Terkadang konsumen menyatakan secara terus terang kebutuhan atau keinginannya, akan tetapi bertindak sebaliknya. Beberapa masalah terkait perilaku yang direncanakan terdiri dari perilaku, niat perilaku, sikap, dan keyakinan. Oleh sebab itu bagi pihak pelaku bisnis dalam meraih konsumen perlu menyiapkan strategi dan kebijakan pemasaran mengenai pengembangan produk, saluran distribusi, harga, periklanan, dan unsur-unsur lainnya.
This quantitative research investigates the adoption behavior of mobile payment (m‐payment) services among Generation Z individuals in Thailand. Drawing upon the Theory of Planned Behavior (TPB) and Technology Acceptance Model (TAM), the study employs structural equation modeling to analyze a sample of 350 respondents. Extending the TAM framework, the article incorporates deterring factors to provide valuable insights into m‐payment adoption behavior. The findings reveal that the deterring factors, that is, perceived costs, perceived risk, and technology anxiety, negatively impact behavioral intention. The results suggest that concerns over financial burdens, potential security threats, and apprehension towards new technologies may deter adoption.
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