Investigating mobile payment acceptance using technological-personal-environmental (TPE) framework: A case of Indonesia

This study aims to investigate the influence of technological, personal, and environmental factors on users' intention to adopt mobile payment from the perspective of Indonesian consumers. We conducted an online survey, which obtained 1684 valid respondents. Those data were analyzed using SEM method with AMOS 21.0 application. This study showed that intrinsic motivation and facilitating condition significantly have a positive effect on consumer's perceived usefulness and perceived ease of use. Then, personal innovativeness only showed to have a significant effect on perceived ease of use, while social influence only showed to have a significant effect on perceived usefulness. In addition, perceived ease of use also showed to have a significant effect on perceived usefulness. Lastly, both perceived usefulness and perceived ease of use proved to have a significant impact on consumers' intention to use mobile payment thus confirming the applicability of the Technology Acceptance Model in the mobile payment acceptance context.