From Cash to Cashless: Understanding Users’ Switching Intentions from Cash to Mobile Payment Applications

IF 3 Q2 BUSINESS

Vision-The Journal of Business Perspective Pub Date : 2023-11-09 DOI:10.1177/09722629231197336

Defi Insani Saibil, Annes Nisrina Khoirunnisa, Rizaldi Yusfiarto

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引用次数: 0

Abstract

Mobile payments (MP) are the main driver for creating a cashless society in Indonesia. However, the use of this technology still does not show its significance, especially when compared to similar countries. Therefore, this study proposes a theoretical framework based on push–pull–mooring, with factors derived from motivation theory, technology acceptance model and other theories. The research findings underscore the comparison of perceived value internally (efficiency and effectiveness) and externally (discounts, rebates and others) as push and pull factors for users to switch from cash to MP. Furthermore, mooring proxies represented by switching costs and self-efficacy provide a unique understanding of the body of knowledge in the discussed field. The practical action proposed for MP service providers is to always improve quality in terms of accessibility for technical use, and collaboration with related parties is important. Also, for policymakers in Indonesia, deployment of information technology infrastructure and accommodating policies to facilitate licensing for service providers to ensure the security of deposit funds, user data and personal profiles.

查看原文本刊更多论文

从现金到无现金:了解用户从现金到移动支付的转换意图

移动支付(MP)是印尼创建无现金社会的主要推动力。然而，这项技术的使用仍然没有显示出它的重要性，特别是与类似的国家相比。因此，本研究提出了一个基于推挽系泊的理论框架，其因素来源于动机理论、技术接受模型等理论。研究结果强调了内部感知价值(效率和有效性)和外部感知价值(折扣、回扣等)作为用户从现金转向MP的推动和拉动因素的比较。此外，以转换成本和自我效能为代表的系泊代理提供了对所讨论领域知识体系的独特理解。建议MP服务提供商采取的实际行动是始终提高技术使用可及性方面的质量，与相关方的合作很重要。此外，对于印度尼西亚的政策制定者来说，部署信息技术基础设施和便利政策，以促进对服务提供商的许可，以确保存款资金、用户数据和个人资料的安全。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Vision-The Journal of Business Perspective Multiple-

CiteScore

4.60

自引率

0.00%

发文量

121

期刊介绍： Vision-The Journal of Business Perspective is a quarterly peer-reviewed journal of the Management Development Institute, Gurgaon, India published by SAGE Publications. This journal contains papers in all functional areas of management, including economic and business environment. The journal is premised on creating influence on the academic as well as corporate thinkers. Vision-The Journal of Business Perspective is published in March, June, September and December every year. Its targeted readers are researchers, academics involved in research, and corporates with excellent professional backgrounds from India and other parts of the globe. Its contents have been often used as supportive course materials by the academics and corporate professionals. The journal has been providing opportunity for discussion and exchange of ideas across the widest spectrum of scholarly opinions to promote theoretical, empirical and comparative research on problems confronting the business world. Most of the contributors to this journal range from the outstanding and the well published to the upcoming young academics and corporate functionaries. The journal publishes theoretical as well as applied research works.