Influencing factors of switching intention from cash to mobile payments
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Abstract
The use of technology has now been widely adapted to various human activities, one of which is in the payment process which currently uses a lot of technological innovation. This study objectives is to specify which factors that are considered to be able to influence the Switching Intention of visitors to XYZ Park in Cikarang in changing the habit of paying using cash by paying using mobile. This study is included in correlational research which is shown to determine the factors that influence a dependent variable. In this study, the population used was visitors to XYZ Park in Cikarang with a total of 263 respondents. Based on the result of the tests that have been carried out, it is known that the result produced by this study are Alternative Attractiveness, Inertia, and Monetary Value are proven to influence Switching Intention, while the variables Trust and Perceived of Security and Privacy do not have an effect on Switching Intention. Also, it is also known that Trust is an endogenous variable which is proven to be affected by Perceived Benefit and Perceived Risk. Also, Switching Costs is proven do not affect Inertia and Traditional Payment Habit is proven to affect Inertia
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How to Cite
Wijaya, L. H., & Berlianto, M. P. (2025). Influencing factors of switching intention from cash to mobile payments. Enrichment : Journal of Management, 14(6), 984-993. https://doi.org/10.35335/enrichment.v14i6.2169
References
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Cheng, S., Lee, S., & Choi, B. (2019). Computers in Human Behavior An empirical investigation of users ’ voluntary switching intention for mobile personal cloud storage services based on the push-pull-mooring framework. Computers in Human Behavior, 92(October 2018), 198–215. https://doi.org/10.1016/j.chb.2018.10.035
Chuah, S. H.-W., Rauschnabel, P. A., Tseng, M.-L., & Ramayah, T. (2018). Reducing temptation to switch mobile data service providers over time The role of dedication vs constraint. https://doi.org/10.1108/IMDS-07-2017-0326
de Sena Abrahão, R., Moriguchi, S. N., & Andrade, D. F. (2016). Intention of adoption of mobile payment : An analysis in the light of the Unified Theory of Acceptance and Use of Technology ( UTAUT ). RAI Revista de Administração e Inovação, 13(3), 221–230. https://doi.org/10.1016/j.rai.2016.06.003
Fadhilah, J., Aja, C., Layyinna, A., & Khatami, R. (2021). Pemanfaatan Teknologi Digital Wallet sebagai Solusi Alternatif Pembayaran Modern : Literature Review. 2(2), 89–97.
Hair, J. F., Ringle, C. M., & Sarstedt, M. (2021). Partial Least Squares Structural Equation Modeling (Issue July). https://doi.org/10.1007/978-3-319-05542-8
Hasan, S., Nabella, S. D., & Yerikania, U. (2022). Customer Intention to Quantify the Feasibility of BUMD during The Modern Economic Era: Case Study of BUMD in Kampar Regency. 3(2), 158–171.
Johnson, V. L., Kiser, A., Washington, R., Torres, R., Kiser, A., & Torres, R. (2017). Limitations to the Rapid Adoption of M-payment Services: Understanding the Impact of Privacy Risk on M-Payment Services. Computers in Human Behavior. https://doi.org/10.1016/j.chb.2017.10.035
Jones, M. A., Mothersbaugh, D. L., & Beatty, S. E. (2000). Switching Barriers and Repurchase Intentions in Services. 76(2), 259–274.
Kaur, P., Dhir, A., Bodhi, R., Singh, T., & Almotairi, M. (2020). Journal of Retailing and Consumer Services Why do people use and recommend m-wallets ? Journal of Retailing and Consumer Services, 56, 102091. https://doi.org/10.1016/j.jretconser.2020.102091
Köster, A., Matt, C., & Hess, T. (2015). Electronic Commerce Research and Applications Carefully choose your ( payment ) partner : How payment provider reputation influences m-commerce transactions. November. https://doi.org/10.1016/j.elerap.2015.11.002
Lai, J.-Y., Debbarma, S., & Ulhas, K. R. (2012). An empirical study of consumer switching behaviour towards mobile shopping : a Push-Pull-Mooring model. 10(4), 386–404.
Lema, A. (2017). Factors influencing the adoption of mobile financial services in the unbanked population. 2012(Intermedia 2013), 37–51.
Liu, S. Q., & Mattila, A. S. (2018). International Journal of Hospitality Management Apple Pay : Coolness and embarrassment in the service encounter. International Journal of Hospitality Management, September, 1–8. https://doi.org/10.1016/j.ijhm.2018.09.009
Lu, H., & Wung, Y. (2021). Applying Transaction Cost Theory and Push-Pull-Mooring Model to Investigate Mobile Payment Switching Behaviors with Well-Established Traditional Financial Infrastructure. 16(2). https://doi.org/10.4067/S0718-18762021000200102
Lu, Y., Yang, S., Chau, P. Y. K., & Cao, Y. (2011). Information & Management Dynamics between the trust transfer process and intention to use mobile payment services : A cross-environment perspective. Information & Management, 48(8), 393–403. https://doi.org/10.1016/j.im.2011.09.006
Ma, L., Su, X., Yu, Y., Wang, C., Lin, K., & Lin, M. (2018). What Drives the Use of M-payment ? An Empirical Study about Alipay and WeChat Payment. 2018 15th International Conference on Service Systems and Service Management (ICSSSM), 71471118, 1–6.
Park, J., Ahn, J., Thavisay, T., & Ren, T. (2019). Journal of Retailing and Consumer Services Examining the role of anxiety and social in fl uence in multi-bene fi ts of mobile payment service. 47(November 2018), 140–149. https://doi.org/10.1016/j.jretconser.2018.11.015
Park, M., Jun, J., & Park, H. (2017). Understanding Mobile Payment Service Continuous Use Intention : An Expectation - Confirmation Model and Inertia. 1745, 78–94. https://doi.org/10.12776/QIP.V21I3.983
Pei, Y., Wang, S., Fan, J., & Zhang, M. (2015). An Empirical Study on the Impact of Perceived Benefit , Risk and Trust on E- Payment Adoption : Comparing Quick Pay and Union Pay in China. https://doi.org/10.1109/IHMSC.2015.148
Polites, G. L., & Karahanna, G. (2012). Shackled to the Status Quo: The Inhibiting Effects of Incumbent System Habit, Switching Costs, and Inertia on New System Acceptance. 36(1), 21–42.
Rachbini, W. (2018). THE IMPACT OF CONSUMER TRUST , PERCEIVED RISK , PERCEIVED BENEFIT ON PURCHASE INTENTION AND PURCHASE DECISION. July. https://doi.org/10.21474/IJAR01/6317
Ramos de Luna, I., Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2018). Technological Forecasting & Social Change Mobile payment is not all the same : The adoption of mobile payment systems depending on the technology applied. Technological Forecasting & Social Change, August, 1–14. https://doi.org/10.1016/j.techfore.2018.09.018
Shin, D. (2009). Computers in Human Behavior Towards an understanding of the consumer acceptance of mobile wallet. 25, 1343–1354. https://doi.org/10.1016/j.chb.2009.06.001
Singh, N., & Sinha, N. (2020). How perceived trust mediates merchant’s intention to use a mobile wallet technology. 52(July 2019).
Slade, E. L., Williams, M. D., & Dwivedi, Y. K. (2014). Devising a research model to examine adoption of mobile payments: An extension of UTAUT2. 14(3), 311–336.
Sun, Y., Liu, D., Chen, S., Wu, X., Shen, X., & Zhang, X. (2017). Understanding users’ switching behavior of mobile instant messaging applications: An empirical study from the perspective of push-pull-mooring framework. Computers in Human Behavior. https://doi.org/10.1016/j.chb.2017.06.014
Taylor, S., & Todd, P. (1995). Decomposition and crossover effects in the theory of planned behavior : A study of consumer adoption intentions. 12, 137–155.
Thakur, R. (2016). Understanding Customer Engagement and Loyalty : A Case of Mobile Devices for Shopping. Journal of Retailing and Consumer Services, 32, 151–163. https://doi.org/10.1016/j.jretconser.2016.06.004
Yiu, C. S., Grant, K., & Edgar, D. (2007). Factors affecting the adoption of Internet Banking in Hong Kong — implications for the banking sector. 27, 336–351. https://doi.org/10.1016/j.ijinfomgt.2007.03.002
Zhao, H., Anong, S. T., & Zhang, L. (2019). Understanding the impact of financial incentives on NFC mobile payment adoption An experimental analysis. https://doi.org/10.1108/IJBM-08-2018-0229
Zhou, T. (2014). Understanding users ’ switching from online stores to mobile stores. https://doi.org/10.1177/0266666914526605
Chandra, S., Srivastava, S. C., & Theng, Y.-L. (2010). Evaluating the Role of Trust in Consumer Adoption of Mobile Payment Systems : An Empirical Analysis. 27(1).
Cheng, S., Lee, S., & Choi, B. (2019). Computers in Human Behavior An empirical investigation of users ’ voluntary switching intention for mobile personal cloud storage services based on the push-pull-mooring framework. Computers in Human Behavior, 92(October 2018), 198–215. https://doi.org/10.1016/j.chb.2018.10.035
Chuah, S. H.-W., Rauschnabel, P. A., Tseng, M.-L., & Ramayah, T. (2018). Reducing temptation to switch mobile data service providers over time The role of dedication vs constraint. https://doi.org/10.1108/IMDS-07-2017-0326
de Sena Abrahão, R., Moriguchi, S. N., & Andrade, D. F. (2016). Intention of adoption of mobile payment : An analysis in the light of the Unified Theory of Acceptance and Use of Technology ( UTAUT ). RAI Revista de Administração e Inovação, 13(3), 221–230. https://doi.org/10.1016/j.rai.2016.06.003
Fadhilah, J., Aja, C., Layyinna, A., & Khatami, R. (2021). Pemanfaatan Teknologi Digital Wallet sebagai Solusi Alternatif Pembayaran Modern : Literature Review. 2(2), 89–97.
Hair, J. F., Ringle, C. M., & Sarstedt, M. (2021). Partial Least Squares Structural Equation Modeling (Issue July). https://doi.org/10.1007/978-3-319-05542-8
Hasan, S., Nabella, S. D., & Yerikania, U. (2022). Customer Intention to Quantify the Feasibility of BUMD during The Modern Economic Era: Case Study of BUMD in Kampar Regency. 3(2), 158–171.
Johnson, V. L., Kiser, A., Washington, R., Torres, R., Kiser, A., & Torres, R. (2017). Limitations to the Rapid Adoption of M-payment Services: Understanding the Impact of Privacy Risk on M-Payment Services. Computers in Human Behavior. https://doi.org/10.1016/j.chb.2017.10.035
Jones, M. A., Mothersbaugh, D. L., & Beatty, S. E. (2000). Switching Barriers and Repurchase Intentions in Services. 76(2), 259–274.
Kaur, P., Dhir, A., Bodhi, R., Singh, T., & Almotairi, M. (2020). Journal of Retailing and Consumer Services Why do people use and recommend m-wallets ? Journal of Retailing and Consumer Services, 56, 102091. https://doi.org/10.1016/j.jretconser.2020.102091
Köster, A., Matt, C., & Hess, T. (2015). Electronic Commerce Research and Applications Carefully choose your ( payment ) partner : How payment provider reputation influences m-commerce transactions. November. https://doi.org/10.1016/j.elerap.2015.11.002
Lai, J.-Y., Debbarma, S., & Ulhas, K. R. (2012). An empirical study of consumer switching behaviour towards mobile shopping : a Push-Pull-Mooring model. 10(4), 386–404.
Lema, A. (2017). Factors influencing the adoption of mobile financial services in the unbanked population. 2012(Intermedia 2013), 37–51.
Liu, S. Q., & Mattila, A. S. (2018). International Journal of Hospitality Management Apple Pay : Coolness and embarrassment in the service encounter. International Journal of Hospitality Management, September, 1–8. https://doi.org/10.1016/j.ijhm.2018.09.009
Lu, H., & Wung, Y. (2021). Applying Transaction Cost Theory and Push-Pull-Mooring Model to Investigate Mobile Payment Switching Behaviors with Well-Established Traditional Financial Infrastructure. 16(2). https://doi.org/10.4067/S0718-18762021000200102
Lu, Y., Yang, S., Chau, P. Y. K., & Cao, Y. (2011). Information & Management Dynamics between the trust transfer process and intention to use mobile payment services : A cross-environment perspective. Information & Management, 48(8), 393–403. https://doi.org/10.1016/j.im.2011.09.006
Ma, L., Su, X., Yu, Y., Wang, C., Lin, K., & Lin, M. (2018). What Drives the Use of M-payment ? An Empirical Study about Alipay and WeChat Payment. 2018 15th International Conference on Service Systems and Service Management (ICSSSM), 71471118, 1–6.
Park, J., Ahn, J., Thavisay, T., & Ren, T. (2019). Journal of Retailing and Consumer Services Examining the role of anxiety and social in fl uence in multi-bene fi ts of mobile payment service. 47(November 2018), 140–149. https://doi.org/10.1016/j.jretconser.2018.11.015
Park, M., Jun, J., & Park, H. (2017). Understanding Mobile Payment Service Continuous Use Intention : An Expectation - Confirmation Model and Inertia. 1745, 78–94. https://doi.org/10.12776/QIP.V21I3.983
Pei, Y., Wang, S., Fan, J., & Zhang, M. (2015). An Empirical Study on the Impact of Perceived Benefit , Risk and Trust on E- Payment Adoption : Comparing Quick Pay and Union Pay in China. https://doi.org/10.1109/IHMSC.2015.148
Polites, G. L., & Karahanna, G. (2012). Shackled to the Status Quo: The Inhibiting Effects of Incumbent System Habit, Switching Costs, and Inertia on New System Acceptance. 36(1), 21–42.
Rachbini, W. (2018). THE IMPACT OF CONSUMER TRUST , PERCEIVED RISK , PERCEIVED BENEFIT ON PURCHASE INTENTION AND PURCHASE DECISION. July. https://doi.org/10.21474/IJAR01/6317
Ramos de Luna, I., Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2018). Technological Forecasting & Social Change Mobile payment is not all the same : The adoption of mobile payment systems depending on the technology applied. Technological Forecasting & Social Change, August, 1–14. https://doi.org/10.1016/j.techfore.2018.09.018
Shin, D. (2009). Computers in Human Behavior Towards an understanding of the consumer acceptance of mobile wallet. 25, 1343–1354. https://doi.org/10.1016/j.chb.2009.06.001
Singh, N., & Sinha, N. (2020). How perceived trust mediates merchant’s intention to use a mobile wallet technology. 52(July 2019).
Slade, E. L., Williams, M. D., & Dwivedi, Y. K. (2014). Devising a research model to examine adoption of mobile payments: An extension of UTAUT2. 14(3), 311–336.
Sun, Y., Liu, D., Chen, S., Wu, X., Shen, X., & Zhang, X. (2017). Understanding users’ switching behavior of mobile instant messaging applications: An empirical study from the perspective of push-pull-mooring framework. Computers in Human Behavior. https://doi.org/10.1016/j.chb.2017.06.014
Taylor, S., & Todd, P. (1995). Decomposition and crossover effects in the theory of planned behavior : A study of consumer adoption intentions. 12, 137–155.
Thakur, R. (2016). Understanding Customer Engagement and Loyalty : A Case of Mobile Devices for Shopping. Journal of Retailing and Consumer Services, 32, 151–163. https://doi.org/10.1016/j.jretconser.2016.06.004
Yiu, C. S., Grant, K., & Edgar, D. (2007). Factors affecting the adoption of Internet Banking in Hong Kong — implications for the banking sector. 27, 336–351. https://doi.org/10.1016/j.ijinfomgt.2007.03.002
Zhao, H., Anong, S. T., & Zhang, L. (2019). Understanding the impact of financial incentives on NFC mobile payment adoption An experimental analysis. https://doi.org/10.1108/IJBM-08-2018-0229
Zhou, T. (2014). Understanding users ’ switching from online stores to mobile stores. https://doi.org/10.1177/0266666914526605