ABSTRACT
Digital Wallet is growing rapidly in the last 5 years. This study aims to identify the influencing factors user intentions to use and recommend digital wallets based on a multi-generation preference perspective. 205 respondent's data obtained by filling in an online form at Google form. This study is using the Partial Least Square (PLS) method using SMARTPLS 3 software, the results of data analysis show in Generation X, Perceived ease of use, Perceived Usefulness, Compatibility, and Trust positively influence Intention to Use. factors that influence intention to use in generation Y are Perceived Usefulness, Perceived Behavioral Control, and Trust. Factors that influence generation Z are Perceived Ease of Use, and Perceived Usefulness. Based on these results, 10 strategic recommendations were proposed. Based on the TOPSIS method and importance-performance analysis, the best strategy for generation X is the compatibility of digital wallet to the payment of transportation services, while in generation Y and generation Z The priority strategy is campaigning the uses of the wallet digital. In general, strategies that have high priority are those related to conformity with public transportation payments, campaigns about the use of digital wallets, the conciseness of digital wallet applications, and the completeness of bill payment services.
- Liu, J., Kauffman, R.J. and Ma, D. 2015. Competition, cooperation and regulation: Understanding the evolution of the mobile payments technology ecosystem. Electronic Commerce Research and Applications.Google Scholar
- Aldridge, I. 2013. High-Frequency Trading: A Practical Guide to Algorithmic Strategies and Trading System, second edition. John Wiley and Sons, New York.Google Scholar
- Amoroso, DL, & Magnier-Watanabe, R. 2012. Building a research models for consumer adoption of mobile wallet: the case of mobile Suica in Japan. Journal of theoretical and applied electronic commerce research, 7 (1), 94--110.Google ScholarDigital Library
- Bansal, HS, & Voyer, PA 2000. Word-of-mouth processes within a services purchase decision context. Journal of service research, 3 (2), 166--177.Google ScholarCross Ref
- Chen, LD, Gillenson, ML, & Sherrell, DL 2002. Enticing online consumers: an extended technology acceptance perspective. Information & Management, 39 (8), 705--719.Google ScholarDigital Library
- Oktaviani, RS., Dewi, PF., Ratih, PF., & Rinny, M 2019. Implementation of Mobile Payment in Indonesia. International Journal of Recent Technology and Engineering (IJRTE), Volume-8 Issue-2S4, 2277--3878.Google Scholar
- Redaksi, 2019. "Daftar 10 Dompet Digital Terpopuler di RI, Siapa Jawaranya", Jakarta: CNBC Indonesia.Google Scholar
- Narasi, 2019 "Persaingan Dompet Digital", Indonesia.go.id, Jakarta.Google Scholar
- Indah Rahmayani, 2015 "Indonesia Raksasa Teknologi Digital Asia", Kominfo, Jakarta.Google Scholar
- Fahmi A. Burhan, 2020 "Bukan Bakar Uang, Begini Strategi DANA Capai 170 Juta Pengguna" katadata, Jakarta.Google Scholar
- Sirclo, 2019 "Perilaku Belanja Online Generasi X, Y dan Z" Sirclo, Indonesia.Google Scholar
- I. Alnawas and F. Aburub, "The effect of benefits generated from interacting with branded mobile," Journal of Retailing and Consumer Services, vol. 31, pp. 313--322, 2016.Google Scholar
- Kemenpppa 2018. "Statistik gender tematik: profil generasi milenial indonesia". Kementerian Pemberdayaan Perempuan dan Perlindungan Anak.Google Scholar
- Hair, J. F., Ringle, C. M. & Sarstedt, M., 2011. PLS-SEM: Indeed a silver bullet. Journal of Marketing Theory and Practice, 19(2), pp. 139--151.Google ScholarCross Ref
- Hshiung, T. G. & Jeng, H. J., 2011. Multiple Attribute Decision Making. 1 ed. Boca Raton: CRC Press LLC.Google Scholar
- Levenburg, N. M. & Magal, S. R., 2005. Applying importance-performance analysis to evaluate e-business strategies among small firms. E-service Journal, pp. 29--48.Google Scholar
- Chatterjee, D., & Kartikeya Bolar (2018): Determinants of Mobile Wallet Intentions to Use: The Mental Cost Perspective. International Journal of Human-Computer Interaction, DOI: 10.1080/10447318.2018.1505697Google Scholar
- Singh, N., Neena, S., Francisco, J.C. (2020). Determining Factors In The Adoption And Recommendation of Mobile Wallet Services In India: Analysis of The Effect of Innovativeness, Stress to Use and Social Influence. International Journal of Information Management, 191--205.Google Scholar
- Ghozali, "Structural Equation Modeling Metode Alternatif dengan Partial Least Square", ISBN:979.704.300.2.Badan Penerbit Universitas Diponegoro Semarang. 2014Google Scholar
- E. Masud, "Partial Least Squares (PLS)". Hanbook of Brawijaya University, 2015. http://masud.lecture.ub.ac.id/files/2015/05/14.PLS.pdf.Google Scholar
- Y. Nabila, "Analysis Impact of Knowledge Management System Implementation on Increasing Organizational Competitiveness" Industrial Engineering Department Universitas Indonesia, 2018.Google Scholar
- Ling, F., shan li, sui, p., & ofori, G. 2012, "mathematical models for predicting chinese A/E/C firms' competitiveness". Automotion in construction, 40--51.Google Scholar
- Hoyle, R. H., 2012. Handbook of Structural Equation Modeling. New York: The Guilford Press.Google Scholar
Index Terms
- Developing Digital Wallet Services in Indonesia: A Multigeneration Perspective
Recommendations
Multi-Generation Perception Towards Digital Wallet in Indonesia
APCORISE '20: Proceedings of the 3rd Asia Pacific Conference on Research in Industrial and Systems EngineeringDigital wallet in Indonesia exists to facilitate payment transactions without using cash. Popular brands of digital wallet products in Indonesia are Go-pay, Ovo, Dana, LinkAja. This study aims to identify the influencing factors of user intentions to ...
Towards an understanding of the consumer acceptance of mobile wallet
This study seeks to validate a comprehensive model of consumer acceptance in the context of mobile payment. It uses the unified theory of acceptance and use of technology (UTAUT) model with constructs of security, trust, social influence, and self-...
The effects of individual differences on e-learning users' behaviour in developing countries
We extended the TAM in the context of e-learning in developing countries (Lebanon).We examined if social influence affect the user perceptions towards using e-learning.Examined the moderating effect of gender, age and experience on the key factors.The ...
Comments