Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay

Digital payment (cashless payment) has huge potential to achieve cashless transaction all around the world by providing digital payment choices where payment is made using cards (credit and debit), E-wallets, mobile payments, electronic cash systems and so on. Digital payment will be a trend in the...

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Main Author:	Pan, Jing Rui
Format:	Thesis
Language:	eng eng
Published:	2018
Subjects:	T Technology (General)
Online Access:	https://etd.uum.edu.my/8186/1/s820744_01.pdf https://etd.uum.edu.my/8186/2/s820744_02.pdf
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id	my-uum-etd.8186
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Abd. Talib, Yurita Yakimin
topic	T Technology (General)
spellingShingle	T Technology (General) Pan, Jing Rui Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay
description	Digital payment (cashless payment) has huge potential to achieve cashless transaction all around the world by providing digital payment choices where payment is made using cards (credit and debit), E-wallets, mobile payments, electronic cash systems and so on. Digital payment will be a trend in the future. Malaysia is moving towards becoming a cashless society in 2050. While, 78% of Malaysians use mobile devices, only 34% of people use digital payment to purchase products or services. This means that the proportion of digital payments usage is still very low. Therefore, the purpose of this study is to examine the factors that influence user’s intention to use digital payment, with a specific focus of Kiple Pay system, using Technology Readiness and Acceptance Model (TRAM). Four independents variables, optimism, innovativeness, discomfort, and insecurity were applied to examine the perceived usefulness of Kiple Pay. One mediator, perceived usefulness (PU) was used to investigate the intention to use Kiple Pay. The results of current research confirmed that optimism, innovativeness and discomfort have significantly positive with perceived usefulness of Kiple Pay. On the other hand, the study found that insecurity has insignificant with perceived usefulness of Kiple Pay. Furthermore, there is a significantly positive relationship between perceived usefulness and intention to use Kiple Pay.
format	Thesis
qualification_name	other
qualification_level	Master's degree
author	Pan, Jing Rui
author_facet	Pan, Jing Rui
author_sort	Pan, Jing Rui
title	Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay
title_short	Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay
title_full	Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay
title_fullStr	Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay
title_full_unstemmed	Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay
title_sort	cashless in uum: factors influencing user's intention to use digital payment based on kiple pay
granting_institution	Universiti Utara Malaysia
granting_department	Tunku Puteri Intan Safinaz School of Accountancy (TISSA)
publishDate	2018
url	https://etd.uum.edu.my/8186/1/s820744_01.pdf https://etd.uum.edu.my/8186/2/s820744_02.pdf
_version_	1747828345877299200
spelling	my-uum-etd.81862022-02-16T01:18:11Z Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay 2018 Pan, Jing Rui Abd. Talib, Yurita Yakimin Tunku Puteri Intan Safinaz School of Accountancy (TISSA) Tunku Puteri Intan Safinaz School of Accountancy (TISSA) T Technology (General) Digital payment (cashless payment) has huge potential to achieve cashless transaction all around the world by providing digital payment choices where payment is made using cards (credit and debit), E-wallets, mobile payments, electronic cash systems and so on. Digital payment will be a trend in the future. Malaysia is moving towards becoming a cashless society in 2050. While, 78% of Malaysians use mobile devices, only 34% of people use digital payment to purchase products or services. This means that the proportion of digital payments usage is still very low. Therefore, the purpose of this study is to examine the factors that influence user’s intention to use digital payment, with a specific focus of Kiple Pay system, using Technology Readiness and Acceptance Model (TRAM). Four independents variables, optimism, innovativeness, discomfort, and insecurity were applied to examine the perceived usefulness of Kiple Pay. One mediator, perceived usefulness (PU) was used to investigate the intention to use Kiple Pay. The results of current research confirmed that optimism, innovativeness and discomfort have significantly positive with perceived usefulness of Kiple Pay. On the other hand, the study found that insecurity has insignificant with perceived usefulness of Kiple Pay. Furthermore, there is a significantly positive relationship between perceived usefulness and intention to use Kiple Pay. 2018 Thesis https://etd.uum.edu.my/8186/ https://etd.uum.edu.my/8186/1/s820744_01.pdf text eng public https://etd.uum.edu.my/8186/2/s820744_02.pdf text eng public other masters Universiti Utara Malaysia Bezovski, Z. (2016). The Future of the Mobile Payment as Electronic Payment System. European Journal of Business and Management, 8(8), 127-132. Thomas, H., Jain, A., & Angus, M. (2013). Measuring progress toward a cashless society. MasterCard Advisors. Liu, R. (2015). The role of Alipay in China. Netherlands: Faculty of Science, Radboud University. N Ramya, D Sivasakthi and M Nandhini. (2017). Cashless transaction: Modes, advantages and disadvantages. International Journal of Applied Research 2017; 3(1): 122-125. Klapper, L. (2017). How digital payments can benefit entrepreneurs. IZA World of Labor. Das, A., & Agarwal, R. (2010). 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Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay

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