Determinants of Using Go-Pay and its Impact on Net Benefits


Authors : Gede Leo Nadi Danuarta, Gede Sri Darma

Volume/Issue : Volume 4 - 2019, Issue 11 - November

Google Scholar : https://goo.gl/DF9R4u

Scribd : https://bit.ly/2OjXAwq

Go-Pay has become an important instrument for providing mobile payment services in Indonesia. In spite of the benefits that users obtain from Go-Pay, its adoption is low compared to the cash payment method since the cash payment method still dominates in Indonesia. The aim of this study is to investigate determinants that affect the adoption of Go-Pay services and its impact on individual success factor in Denpasar, Bali using modified technology acceptance model (TAM). The Data were obtained from 93 respondents in Denpasar, Bali. The data were processed using Partial Least Square (PLS)- Structural Equation Modeling (SEM). The study found that perceived ease of use, perceived usefulness, and perceived enjoyment significantly and positively influence on intention to use Go-Pay. In contrast, perceived risk significantly and negatively influences on intention to use Go-Pay. Additionally, the effect of intention to use significantly and positively influence on actual usage of Go-Pay. Moreover, actual usage significantly and positively influences on net benefits. The result of this study can be used by fintech payment companies to maximize the adoption of fintech payment in Indonesia.

Keywords : Fintech; Go-Pay; Mobile Payment; Net Benefits; Perceived Enjoyment; Technology Acceptance Model (TAM).

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