Analysis of factors influencing consumer intention toward Indonesia QR mobile payment

This study aimed to identify the factors influencing consumer behavior toward the QR Code mobile payment system in Indonesia. We proposed a conceptual framework based on the technology acceptance model (TAM), which consists of three factors (perceived usefulness, perceived ease of use, and trust), one social context factor (social influence), and two individual user characteristics (perceived enjoyment and perceived behavioral control). The proposed research framework was empirically tested by data collected from 195 potential QR Code payment service users through an online survey. Data were analyzed using the structural equation modeling (SEM) technique. The result showed a particularly significant positive impact of QR Code payment on perceived usefulness, social influence, perceived enjoyment, and perceived behavioral control. However, trust and perceived ease of use had an insignificant impact on QR Code payment intention. The findings of this study have important theoretical and practical implications, particularly to understand user-centric factors affecting QR Code payment customer intention.