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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T Technology (General) Pan, Jing Rui Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay |
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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. |
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Pan, Jing Rui |
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Pan, Jing Rui |
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Pan, Jing Rui |
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Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay |
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Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay |
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Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay |
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Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay |
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Cashless in UUM: factors influencing user's intention to use digital payment based on kiple pay |
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cashless in uum: factors influencing user's intention to use digital payment based on kiple pay |
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Universiti Utara Malaysia |
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Tunku Puteri Intan Safinaz School of Accountancy (TISSA) |
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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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