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A Conceptual Framework of Mobile Payment System Adoption and Use in Southeast Asia

JAS (Journal of ASEAN Studies) · Vol. 11 No. 2 (2023) · hlm. 417–433

DOI
10.21512/jas.v11i2.8815
ISSN
2338-1353, 2338-1361
Terbit
2023-12-20
Penerbit
Centre for Business and Diplomatic Studies (CBDS) Bina Nusantara University
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc/4.0

Abstrak

The research aims to investigate the factors affecting consumers' adoption and use of Mobile Payment Systems (MPS) in Southeast Asia. Extant theoretical models need to be extended to cover the unique features of mobile payment technology. A Systematic Literature Review (SLR) is conducted to analyse theoretical models utilized to predict the adoption and use of mobile payment. A total of 60 studies about adoption and use of MPS is analysed. The results of the investigations employ the Technology Acceptance Model (TAM), Unified Theory of Acceptance and Use of Technology (UTAUT), and Diffusion of Innovation model (IDT). It reveals that there are inconsistencies in determinants of behavioral intention to adopt and use MPS. Among them are performance expectancy, effort expectancy, and social influence. The review also unveils the use of other determinants to predict behavioral intention to adopt and use MPS, such as perceived security, perceived risks, perceived trust, attitude, and financial incentives to lure new users. The researchers propose a conceptual framework for MPS adoption and use that includes four moderators: gender, age, educational level, and income level. The research contributes to the theory and practice by explicating relevant factors predicting behavioral intention to adopt and use mobile payment in the ASEAN region. Moreover, the SLR offers opportunities for future investigations.

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Lilik Noor YuliatiIPB University2
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Dudung DarusmanIPB University2
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Hartoyo HartoyoAfiliasi tidak diketahui2
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Enny KristianiIPB University1
Asep SaefuddinIPB University1
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Arief DaryantoIPB University1
KirbrandokoIPB University1
Jono Mintarto MunandarIPB University1
Indriana LaksmiIPB University1
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Bagus SartonoIPB University1
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Linda FitrianiAfiliasi tidak diketahui1
Jono M MunandarAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.binus.ac.id/index.php/jas/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">A Conceptual Framework of Mobile Payment System Adoption and Use in Southeast Asia</dc:title>
	<dc:creator>Chang, Andreas</dc:creator>
	<dc:creator>Gunawan, Theresia</dc:creator>
	<dc:creator>Sumarwan, Ujang</dc:creator>
	<dc:subject xml:lang="en-US">mobile payment</dc:subject>
	<dc:subject xml:lang="en-US">security</dc:subject>
	<dc:subject xml:lang="en-US">risk</dc:subject>
	<dc:subject xml:lang="en-US">trust</dc:subject>
	<dc:subject xml:lang="en-US">attitude</dc:subject>
	<dc:subject xml:lang="en-US">financial incentives</dc:subject>
	<dc:description xml:lang="en-US">The research aims to investigate the factors affecting consumers' adoption and use of Mobile Payment Systems (MPS) in Southeast Asia. Extant theoretical models need to be extended to cover the unique features of mobile payment technology. A Systematic Literature Review (SLR) is conducted to analyse theoretical models utilized to predict the adoption and use of mobile payment. A total of 60 studies about adoption and use of MPS is analysed. The results of the investigations employ the Technology Acceptance Model (TAM), Unified Theory of Acceptance and Use of Technology (UTAUT), and Diffusion of Innovation model (IDT). It reveals that there are inconsistencies in determinants of behavioral intention to adopt and use MPS. Among them are performance expectancy, effort expectancy, and social influence. The review also unveils the use of other determinants to predict behavioral intention to adopt and use MPS, such as perceived security, perceived risks, perceived trust, attitude, and financial incentives to lure new users. The researchers propose a conceptual framework for MPS adoption and use that includes four moderators: gender, age, educational level, and income level. The research contributes to the theory and practice by explicating relevant factors predicting behavioral intention to adopt and use mobile payment in the ASEAN region.  Moreover, the SLR offers opportunities for future investigations.</dc:description>
	<dc:publisher xml:lang="en-US">Centre for Business and Diplomatic Studies (CBDS) Bina Nusantara University</dc:publisher>
	<dc:date>2023-12-20</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.binus.ac.id/index.php/jas/article/view/8815</dc:identifier>
	<dc:identifier>10.21512/jas.v11i2.8815</dc:identifier>
	<dc:source xml:lang="en-US">JAS (Journal of ASEAN Studies); Vol. 11 No. 2 (2023): Journal of ASEAN Studies; 417-433</dc:source>
	<dc:source>2338-1353</dc:source>
	<dc:source>2338-1361</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.binus.ac.id/index.php/jas/article/view/8815/4989</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2023 Andreas Chang, Theresia Gunawan, Ujang Sumarwan</dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-nc/4.0</dc:rights>
</oai_dc:dc>