DETERMINANT FACTORS OF CONSUMERudADOPTION TOWARD INTENTIONudTO USE MOBILE WALLET :udA CASE STUDY INDONESIAN Y GENERATION

摘要

The rapid development of technologies leads massive change in the way peopleudlive including how people manage transaction. In results, Many service providers inudmany countries start to offer mobile wallet with various benefits. The mobile suica inudJapan can be referred as one of the most successful implementation. Even thoughudthere are many mobile wallet offered by services providers in Indonesia, statisticudshowed that only 1% of total transaction were made using mobile wallet. Hence, audstudy is needed to understanding consumer behaviour toward mobile wallet adoption.udTo collect data, Questionnaires were distributed through both online and offlineudchannel using convenience sampling method. 523 data from Y Generation wereudcollected between first week of October and First week of November 2016. 17 out 523udwere indentified as invalid data during data screening process, hence, only 506 dataudwere used in data analysis. Majority of respondents already have knowledge ofudmobile wallet, although only half of the respondents have use experience with theudmobile wallet. T-Cash was the most popular mobile wallet product in Indonesia,udfollowing by Go-Pay.udSmartPLS 3.0 was used to analyze the data using. First, the assessment ofudmeasurement model was conducted to ensure the validity and reliability, followed byudthe assessment of structural model to test the research hypothesis, as well as model fit,udpredictive relevance, and effect size of each latent variables. This study found thatudtrust is the most important factor to affect individual’s intention to use mobile wallet,udfollowed by Habit, Social Influence, Facilitating Conditions, Trialability, and PriceudValue. In Contrast, factors such as Performance Expectancy, Effort Expectancy,udAwareness, Network Externalities, and Hedonic Motivation were insignificant. Theudmodel proposed could explain 61% variance toward behavioral intention. The resultudcan be utilitez by service providers to formulate better strategies.