Date Log
Submitted
8 September 2021
Accepted
12 October 2021
Published
13 December 2021
Explaining E-Wallet Continuance Intention: A Modified Expectation Confirmation Model
Corresponding Author(s) : Muamar Nur Kholid
Jurnal Minds: Manajemen Ide dan Inspirasi,
Vol. 8 No. 2 (2021): December
Abstract
This research paper aimed to examine the factors influencing user preferences to continue using E-Wallet. This research paper identified the factors by modifying the Expectation Confirmation Model by adding the Perceived Risk and Trust variables. This research paper employed primary data based on a questionnaire with a sample of E-Wallet users. Data were obtained by distributing online questionnaires, and data from 200 respondents were analyzed using Structural Equation Model – Partial Least Square (SEM-PLS). Data analysis indicated that Perceived Usefulness, Satisfaction, and Trust had a significant positive effect on users' intentions to continue using E-Wallet. On the other hand, confirmation had a positive and significant impact on perceived Usefulness and trust, while no effect on Satisfaction and Perceived Risk. Explanation and implications of data analysis are discussed.
Keywords
E-Wallets
Expectation Confirmation Model
Perceived Risk
Trust
Dhia, A. W., & Kholid, M. N. (2021). Explaining E-Wallet Continuance Intention: A Modified Expectation Confirmation Model. Jurnal Minds: Manajemen Ide Dan Inspirasi, 8(2), 287–302. https://doi.org/10.24252/minds.v8i2.23592
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References
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Budi. (2020). Generasi Millennial Sumber Ide. DJKN. https://www.djkn.kemenkeu.go.id/artikel/baca/13270/Generasi-Millennial-Sumber-Ide.html
Bhattacherjee, A. (2001). Understanding Information Systems Continuance : An Expectation-Confirmation Model. Management Information Systems Research Center, 25(3), 351–370. https://doi.org/10.2307/3250921
Cao, X., Yu, L., Liu, Z., Gong, M. & Adeel, L. (2018). Understanding Mobile Payment Users Continuance Intention : a Trust Transfer Perspective. Internet Research, 28(2), 456-476. https://doi.org/10.1108/IntR-11-2016-0359
Chandra, Y. U., Kristin, D. M., Suhartono, J., Sutarto, F. S., & Sung, M. (2018). Analysis of Determinant Factors of User Acceptance of Mobile Payment System in Indonesia (A Case Study of Go-Pay Mobile Payment). 2018 International Conference on Information Management and Technology (ICIMTech), Jakarta, Indonesia, 454–459. https://doi.org/10.1109/ICIMTech.2018.8528182
Chen, S. & Dhillon, G. (2003), “Interpreting dimensions of customer trust in e-commerce”, Information Technology and Management, 4(2), 303-318. https://doi.org/10.1023/A:1022962631249
Chiu, W., Cho, H., & Chi, C. G. (2020). Consumers’ continuance intention to use fitness and health apps: an integration of the expectation–confirmation model and investment model. Information Technology and People. https://doi.org/10.1108/ITP-09-2019-0463
Cho, J. (2016). The impact of post-adoption beliefs on the continued use of health apps. International Journal of Medical Informatics, 87, 75–83. https://doi.org/10.1016/j.ijmedinf.2015.12.016
Davis, F. D. (1989). Perceived Usefulness, Perceived East of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.1016/S0305-0483(98)00028-0
Evon, T. J. L. L. (2016). Behavioural intention to adopt mobile banking among the millennial generation. Young Consumers, 17(1), 18-31. https://doi.org/http://dx.doi.org/10.1108/YC-07-2015-00537
Foroughi, B., Iranmanesh, M., & Hyun, S. S. (2019). Understanding the Determinants of Mobile Banking Continuance Usage Intention. Journal of Enterprise Information Management, 32(6), 1015–1033. https://doi.org/10.1108/JEIM-10-2018-0237
Giovanis, A., Assimakopoulos, C., & Sarmaniotis, C. (2018). Adoption of mobile self-service retail banking technologies The role of technology , social ,. International Journal of Retail & Distribution Management, 47(9), 894-914 https://doi.org/10.1108/IJRDM-05-2018-0089
Gupta, A., Yousaf, A., & Mishra, A. (2020). How Pre-Adoption Expectancies Shape Post-Adoption Continuance Intentions : An Extended Expectation-Confirmation Model. International Journal of Information Management, 52, 1–13. https://doi.org/10.1016/j.ijinfomgt.2020.102094
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling ( PLS-SEM ) (Second Edi). Los Angeles: Sage Publications.
Hidayat, M. T., Aini, Q., & Fetriana, E. (2020). Penerimaan Pengguna E-Wallet Menggunakan UTAUT 2 (Studi Kasus). Jurnal Nasional Teknik Elektro Dan Teknologi Informasi, 9(3), 239–247. https://doi.org/10.22146/.v9i3.227
Hsiao, C. H., Chang, J. J., & Tang, K. Y. (2015). Exploring the influential factors in continuance usage of mobile social Apps: Satisfaction, habit, and customer value perspectives. Telematics and Informatics, 33(2), 342–355. https://doi.org/10.1016/j.tele.2015.08.014
IPSOS. (2020). Penelitian Ipsos: Evolusi Dompet Digital Menuju Keberlanjutan Bisnis. Jakarta. Retrived from https://www.ipsos.com/sites/default/files/ct/news/documents/2020-02/ipsos_-_press_release_-_indonesian.pdf
Jamaludin, F. (2021). Persaingan Ketat, Penyedia layanan Baru Dompet Digital Susah Bersaing. Retrived from https://www.merdeka.com/teknologi/persaingan-ketat-penyedia layanan-baru-dompet-digital-susah-bersaing.html
Kholid, M. N., Urumsah, D., & Hamdani, R. (2018). Expectation Confirmation Model in the Transportation Order Applications: Gender Differences. In 31st IBIMA Conference. Milan Italy. Retrived from https://ibima.org/accepted-paper/expectation-confirmation-model-in-the-transportation-order-applications-gender-differences/
Kumar, A., Adlakaha, A., & Mukherjee, K. (2018). The Effect of Perceived Security and Grievance Redressal on Continuance Intention to Use M-wallets in a Developing Country. International Journal of Bank Marketing, 36(7), 1170-1189. https://doi.org/10.1108/IJBM-04-2017-0077
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An Integrative Model of Organizational Trust. The Academy of Management Review, 20(3), 709–734. https://doi.org/10.2307/258792
Muhtarom, I. (2021). Persaingan 5 Dompet Digital Berebut Pasar di Masa Pandemi Covid-19. Retrived from https://bisnis.tempo.co/read/1445184/persaingan-5-dompet-digital-berebut-pasar-di-masa-pandemi-covid-19/full&view=ok
Natarajan, T., Balasubramanian, S. A., & Kasilingam, D. L. (2017). Understanding the intention to use mobile shopping applications and its influence on price sensitivity. Journal of Retailing and Consumer Services, 37(February), 8–22. https://doi.org/10.1016/j.jretconser.2017.02.010
Lee, M. C. (2009). Factors Influencing the Adoption of Internet Banking: An Integration of TAM and TPB with Perceived Risk and Perceived Benefit. Electronic Commerce Research and Applications, 8(3), 130–141. https://doi.org/10.1016/j.elerap.2008.11.006
Li, C. Y., & Fang, Y. H. (2019). Predicting Continuance Intention Toward Mobile Branded Apps through Satisfaction and Attachment. Telematics and Informatics, 43(6). https://doi.org/10.1016/j.tele.2019.101248
Loanata, T., & Tileng, K. G. (2016). Pengaruh Trust dan Perceived Risk pada Intention To Use Menggunakan Technology Acceptance Model ( Studi Kasus Pada Situs E-Commerce Traveloka). JUISI (Jurnal Informatika dan Sistem Informasi) , 2(1), 64–73.
Lu, Y., Yang, S., Chau, P. Y. K., & Cao, Y. (2011). 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
Oghuma, A. P., Libaque-Saenz, C. F., Wong, S. F., & Chang, Y. (2016). An expectation-confirmation model of continuance intention to use mobile instant messaging. Telematics and Informatics, 33(1), 34–47. https://doi.org/10.1016/j.tele.2015.05.006
Park, E. (2020). User Acceptance of Smart Wearable Devices : An Expectation-Confirmation Model Approach. Telematics and Informatics, 47. https://doi.org/10.1016/j.tele.2019.101318
Park, J., Amendah, E., Lee, Y., & Hyun, H. (2018). M-payment Service : Interplay of Perceived Risk , Benefit , and Trust in Service Adoption. Human Factors and Ergonomics in Manufacturing & Service Industries, 29(1), 31–43. https://doi.org/10.1002/hfm.20750
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H. and Pahnila, S. (2004), Customer acceptance of online banking: an extension of the technology acceptance model, Internet Research, 14(3), 224-235. https://doi.org/10.1108/10662240410542652
Ramadhan, B. (2020). Data Internet di Indonesia dan Perilakunya Tahun 2020. Teknoia. https://teknoia.com/data-internet-di-indonesia-dan-perilakunya-880c7bc7cd19
Rahi, S., Khan, M. M., & Alghizzawi, M. (2020). Extension of Technology Continuance Theory (TCT) with Task Technology Fit (TTF) in the Context of Internet Banking User Continuance Intention. International Journal of Quality & Reliability Management 38(4). https://doi.org/10.1108/IJQRM-03-2020-0074
Salsabilla, S., Kholid, M. N., & Maharani, Y. (2019). Aplikasi Pembelian Tiket Pesawat: Memahami Determinan Niat Melanjutkan Penggunaan. Esensi: Jurnal Bisnis Dan Manajemen, 9(1), 57-68.
Shin, D., & Hwang, Y. (2020). The Effects of Security and Traceability of Blockchain on Digital Affordance. Online Information Review, 44(4), 913–932. https://doi.org/10.1108/OIR-01-2019-0013
Slade, E. L., Dwivedi, Y. K., Piercy, N. C., & Williams, M. D. (2015). Modeling Consumers’ Adoption Intentions of Remote Mobile Payments in the United Kingdom: Extending UTAUT with Innovativeness , Risk , and Trust. Psychology and Marketing, 32(8), 860–873. https://doi.org/10.1002/mar
Stone, R. W., & Baker-Eveleth, L. (2013). Students’ expectation, confirmation, and continuance intention to use electronic textbooks. Computers in Human Behavior, 29(3), 984–990. https://doi.org/10.1016/j.chb.2012.12.007
Sunny, P., & George, A. (2018). Determinants of Behavioral Intention to Use Mobile Wallets - a Conceptual Model. Journal of Management, 5(5), 52–62.
Susanto, A., Chang, Y., & Ha, Y. (2016). Determinants of Continuance intention touse the smartphone banking service. An Extension to the expectation-confirmation model. Industrial Management & Data Systems, 116(3), 508–525. https://doi.org/dx.doi.org/10.1108/IMDS-07-2015-0266
Susilo, A. Z., Iksan Prabowo, M., Taman, A., Pustikaningsih, A., & Samlawi, A. (2019). A Comparative Study of Factors Affecting User Acceptance of GoPay and OVO as a Feature of Fintech Application. Procedia Computer Science, 161, 876–884. https://doi.org/10.1016/j.procs.2019.11.195
Szymanski, D. M., & Henard, D. H. (2001). Customer Satisfaction : A Meta-Analysis of the Empirical Evidance. Journal of the Academy of Marketing Science, 29(1), 16–35. https://doi.org/10.1177/009207030102900102
Thong, J. Y. L., Hong, S. J., & Tam, K. Y. (2006). The effects of post-adoption beliefs on the expectation-confirmation model for information technology continuance. International Journal of Human Computer Studies, 64(9), 799–810. https://doi.org/10.1016/j.ijhcs.2006.05.001
Upadhyay, P., & Jahanyan, S. (2016). Analyzing User Perspective on the Factors Affecting Use Intention of Mobile Based Transfer Payment. Internet Research, 26(1), 38–56. https://doi.org/http://dx.doi.org/10.1108/IntR-05-2014-0143
Widodo, M., Irawan, M. I., & Sukmono, R. A. (2019). Extending UTAUT2 to Explore Digital Wallet Adoption in Indonesia. 2019 International Conference on Information and Communications Technology, ( ICOIACT ), 878–883. https://doi.org/10.1109/ICOIACT46704.2019.8938415
Wijayanthi, I. M. (2019). Behavioral Intention of Young Consumers Towards E-Wallet Adoption: an Empirical Study Among Indonesian Users. Russian Journal of Agricultural and Socio-Economic Sciences, 85(1), 79–93. https://doi.org/10.18551/rjoas.2019-01.09
Wong, W. H., & Mo, W. Y. (2019). A Study of Consumer Intention of Mobile Payment in Hong Kong, Based on Perceived Risk, Perceived Trust, Perceived Security and Technological Acceptance Model. Journal of Advanced Management Science, 7(2), 33–38. https://doi.org/10.18178/joams.7.2.33-38
Wu, D. S. W. (2017). Understanding Mobile Shopping Consumers Continuance Intention. Industrial Management & Data Systems, 117(1), 213–227. https://doi.org/10.1108/IMDS-02-2016-0052
Yuan, S., Liu, Y., Yao, R., & Liu, J. (2014). An Investigation of Users Continuance Intention towards Mobile Banking in China. Information Development, 1–15. https://doi.org/10.1177/0266666914522140
References
Budi. (2020). Generasi Millennial Sumber Ide. DJKN. https://www.djkn.kemenkeu.go.id/artikel/baca/13270/Generasi-Millennial-Sumber-Ide.html
Bhattacherjee, A. (2001). Understanding Information Systems Continuance : An Expectation-Confirmation Model. Management Information Systems Research Center, 25(3), 351–370. https://doi.org/10.2307/3250921
Cao, X., Yu, L., Liu, Z., Gong, M. & Adeel, L. (2018). Understanding Mobile Payment Users Continuance Intention : a Trust Transfer Perspective. Internet Research, 28(2), 456-476. https://doi.org/10.1108/IntR-11-2016-0359
Chandra, Y. U., Kristin, D. M., Suhartono, J., Sutarto, F. S., & Sung, M. (2018). Analysis of Determinant Factors of User Acceptance of Mobile Payment System in Indonesia (A Case Study of Go-Pay Mobile Payment). 2018 International Conference on Information Management and Technology (ICIMTech), Jakarta, Indonesia, 454–459. https://doi.org/10.1109/ICIMTech.2018.8528182
Chen, S. & Dhillon, G. (2003), “Interpreting dimensions of customer trust in e-commerce”, Information Technology and Management, 4(2), 303-318. https://doi.org/10.1023/A:1022962631249
Chiu, W., Cho, H., & Chi, C. G. (2020). Consumers’ continuance intention to use fitness and health apps: an integration of the expectation–confirmation model and investment model. Information Technology and People. https://doi.org/10.1108/ITP-09-2019-0463
Cho, J. (2016). The impact of post-adoption beliefs on the continued use of health apps. International Journal of Medical Informatics, 87, 75–83. https://doi.org/10.1016/j.ijmedinf.2015.12.016
Davis, F. D. (1989). Perceived Usefulness, Perceived East of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.1016/S0305-0483(98)00028-0
Evon, T. J. L. L. (2016). Behavioural intention to adopt mobile banking among the millennial generation. Young Consumers, 17(1), 18-31. https://doi.org/http://dx.doi.org/10.1108/YC-07-2015-00537
Foroughi, B., Iranmanesh, M., & Hyun, S. S. (2019). Understanding the Determinants of Mobile Banking Continuance Usage Intention. Journal of Enterprise Information Management, 32(6), 1015–1033. https://doi.org/10.1108/JEIM-10-2018-0237
Giovanis, A., Assimakopoulos, C., & Sarmaniotis, C. (2018). Adoption of mobile self-service retail banking technologies The role of technology , social ,. International Journal of Retail & Distribution Management, 47(9), 894-914 https://doi.org/10.1108/IJRDM-05-2018-0089
Gupta, A., Yousaf, A., & Mishra, A. (2020). How Pre-Adoption Expectancies Shape Post-Adoption Continuance Intentions : An Extended Expectation-Confirmation Model. International Journal of Information Management, 52, 1–13. https://doi.org/10.1016/j.ijinfomgt.2020.102094
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling ( PLS-SEM ) (Second Edi). Los Angeles: Sage Publications.
Hidayat, M. T., Aini, Q., & Fetriana, E. (2020). Penerimaan Pengguna E-Wallet Menggunakan UTAUT 2 (Studi Kasus). Jurnal Nasional Teknik Elektro Dan Teknologi Informasi, 9(3), 239–247. https://doi.org/10.22146/.v9i3.227
Hsiao, C. H., Chang, J. J., & Tang, K. Y. (2015). Exploring the influential factors in continuance usage of mobile social Apps: Satisfaction, habit, and customer value perspectives. Telematics and Informatics, 33(2), 342–355. https://doi.org/10.1016/j.tele.2015.08.014
IPSOS. (2020). Penelitian Ipsos: Evolusi Dompet Digital Menuju Keberlanjutan Bisnis. Jakarta. Retrived from https://www.ipsos.com/sites/default/files/ct/news/documents/2020-02/ipsos_-_press_release_-_indonesian.pdf
Jamaludin, F. (2021). Persaingan Ketat, Penyedia layanan Baru Dompet Digital Susah Bersaing. Retrived from https://www.merdeka.com/teknologi/persaingan-ketat-penyedia layanan-baru-dompet-digital-susah-bersaing.html
Kholid, M. N., Urumsah, D., & Hamdani, R. (2018). Expectation Confirmation Model in the Transportation Order Applications: Gender Differences. In 31st IBIMA Conference. Milan Italy. Retrived from https://ibima.org/accepted-paper/expectation-confirmation-model-in-the-transportation-order-applications-gender-differences/
Kumar, A., Adlakaha, A., & Mukherjee, K. (2018). The Effect of Perceived Security and Grievance Redressal on Continuance Intention to Use M-wallets in a Developing Country. International Journal of Bank Marketing, 36(7), 1170-1189. https://doi.org/10.1108/IJBM-04-2017-0077
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An Integrative Model of Organizational Trust. The Academy of Management Review, 20(3), 709–734. https://doi.org/10.2307/258792
Muhtarom, I. (2021). Persaingan 5 Dompet Digital Berebut Pasar di Masa Pandemi Covid-19. Retrived from https://bisnis.tempo.co/read/1445184/persaingan-5-dompet-digital-berebut-pasar-di-masa-pandemi-covid-19/full&view=ok
Natarajan, T., Balasubramanian, S. A., & Kasilingam, D. L. (2017). Understanding the intention to use mobile shopping applications and its influence on price sensitivity. Journal of Retailing and Consumer Services, 37(February), 8–22. https://doi.org/10.1016/j.jretconser.2017.02.010
Lee, M. C. (2009). Factors Influencing the Adoption of Internet Banking: An Integration of TAM and TPB with Perceived Risk and Perceived Benefit. Electronic Commerce Research and Applications, 8(3), 130–141. https://doi.org/10.1016/j.elerap.2008.11.006
Li, C. Y., & Fang, Y. H. (2019). Predicting Continuance Intention Toward Mobile Branded Apps through Satisfaction and Attachment. Telematics and Informatics, 43(6). https://doi.org/10.1016/j.tele.2019.101248
Loanata, T., & Tileng, K. G. (2016). Pengaruh Trust dan Perceived Risk pada Intention To Use Menggunakan Technology Acceptance Model ( Studi Kasus Pada Situs E-Commerce Traveloka). JUISI (Jurnal Informatika dan Sistem Informasi) , 2(1), 64–73.
Lu, Y., Yang, S., Chau, P. Y. K., & Cao, Y. (2011). 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
Oghuma, A. P., Libaque-Saenz, C. F., Wong, S. F., & Chang, Y. (2016). An expectation-confirmation model of continuance intention to use mobile instant messaging. Telematics and Informatics, 33(1), 34–47. https://doi.org/10.1016/j.tele.2015.05.006
Park, E. (2020). User Acceptance of Smart Wearable Devices : An Expectation-Confirmation Model Approach. Telematics and Informatics, 47. https://doi.org/10.1016/j.tele.2019.101318
Park, J., Amendah, E., Lee, Y., & Hyun, H. (2018). M-payment Service : Interplay of Perceived Risk , Benefit , and Trust in Service Adoption. Human Factors and Ergonomics in Manufacturing & Service Industries, 29(1), 31–43. https://doi.org/10.1002/hfm.20750
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H. and Pahnila, S. (2004), Customer acceptance of online banking: an extension of the technology acceptance model, Internet Research, 14(3), 224-235. https://doi.org/10.1108/10662240410542652
Ramadhan, B. (2020). Data Internet di Indonesia dan Perilakunya Tahun 2020. Teknoia. https://teknoia.com/data-internet-di-indonesia-dan-perilakunya-880c7bc7cd19
Rahi, S., Khan, M. M., & Alghizzawi, M. (2020). Extension of Technology Continuance Theory (TCT) with Task Technology Fit (TTF) in the Context of Internet Banking User Continuance Intention. International Journal of Quality & Reliability Management 38(4). https://doi.org/10.1108/IJQRM-03-2020-0074
Salsabilla, S., Kholid, M. N., & Maharani, Y. (2019). Aplikasi Pembelian Tiket Pesawat: Memahami Determinan Niat Melanjutkan Penggunaan. Esensi: Jurnal Bisnis Dan Manajemen, 9(1), 57-68.
Shin, D., & Hwang, Y. (2020). The Effects of Security and Traceability of Blockchain on Digital Affordance. Online Information Review, 44(4), 913–932. https://doi.org/10.1108/OIR-01-2019-0013
Slade, E. L., Dwivedi, Y. K., Piercy, N. C., & Williams, M. D. (2015). Modeling Consumers’ Adoption Intentions of Remote Mobile Payments in the United Kingdom: Extending UTAUT with Innovativeness , Risk , and Trust. Psychology and Marketing, 32(8), 860–873. https://doi.org/10.1002/mar
Stone, R. W., & Baker-Eveleth, L. (2013). Students’ expectation, confirmation, and continuance intention to use electronic textbooks. Computers in Human Behavior, 29(3), 984–990. https://doi.org/10.1016/j.chb.2012.12.007
Sunny, P., & George, A. (2018). Determinants of Behavioral Intention to Use Mobile Wallets - a Conceptual Model. Journal of Management, 5(5), 52–62.
Susanto, A., Chang, Y., & Ha, Y. (2016). Determinants of Continuance intention touse the smartphone banking service. An Extension to the expectation-confirmation model. Industrial Management & Data Systems, 116(3), 508–525. https://doi.org/dx.doi.org/10.1108/IMDS-07-2015-0266
Susilo, A. Z., Iksan Prabowo, M., Taman, A., Pustikaningsih, A., & Samlawi, A. (2019). A Comparative Study of Factors Affecting User Acceptance of GoPay and OVO as a Feature of Fintech Application. Procedia Computer Science, 161, 876–884. https://doi.org/10.1016/j.procs.2019.11.195
Szymanski, D. M., & Henard, D. H. (2001). Customer Satisfaction : A Meta-Analysis of the Empirical Evidance. Journal of the Academy of Marketing Science, 29(1), 16–35. https://doi.org/10.1177/009207030102900102
Thong, J. Y. L., Hong, S. J., & Tam, K. Y. (2006). The effects of post-adoption beliefs on the expectation-confirmation model for information technology continuance. International Journal of Human Computer Studies, 64(9), 799–810. https://doi.org/10.1016/j.ijhcs.2006.05.001
Upadhyay, P., & Jahanyan, S. (2016). Analyzing User Perspective on the Factors Affecting Use Intention of Mobile Based Transfer Payment. Internet Research, 26(1), 38–56. https://doi.org/http://dx.doi.org/10.1108/IntR-05-2014-0143
Widodo, M., Irawan, M. I., & Sukmono, R. A. (2019). Extending UTAUT2 to Explore Digital Wallet Adoption in Indonesia. 2019 International Conference on Information and Communications Technology, ( ICOIACT ), 878–883. https://doi.org/10.1109/ICOIACT46704.2019.8938415
Wijayanthi, I. M. (2019). Behavioral Intention of Young Consumers Towards E-Wallet Adoption: an Empirical Study Among Indonesian Users. Russian Journal of Agricultural and Socio-Economic Sciences, 85(1), 79–93. https://doi.org/10.18551/rjoas.2019-01.09
Wong, W. H., & Mo, W. Y. (2019). A Study of Consumer Intention of Mobile Payment in Hong Kong, Based on Perceived Risk, Perceived Trust, Perceived Security and Technological Acceptance Model. Journal of Advanced Management Science, 7(2), 33–38. https://doi.org/10.18178/joams.7.2.33-38
Wu, D. S. W. (2017). Understanding Mobile Shopping Consumers Continuance Intention. Industrial Management & Data Systems, 117(1), 213–227. https://doi.org/10.1108/IMDS-02-2016-0052
Yuan, S., Liu, Y., Yao, R., & Liu, J. (2014). An Investigation of Users Continuance Intention towards Mobile Banking in China. Information Development, 1–15. https://doi.org/10.1177/0266666914522140
Bhattacherjee, A. (2001). Understanding Information Systems Continuance : An Expectation-Confirmation Model. Management Information Systems Research Center, 25(3), 351–370. https://doi.org/10.2307/3250921
Cao, X., Yu, L., Liu, Z., Gong, M. & Adeel, L. (2018). Understanding Mobile Payment Users Continuance Intention : a Trust Transfer Perspective. Internet Research, 28(2), 456-476. https://doi.org/10.1108/IntR-11-2016-0359
Chandra, Y. U., Kristin, D. M., Suhartono, J., Sutarto, F. S., & Sung, M. (2018). Analysis of Determinant Factors of User Acceptance of Mobile Payment System in Indonesia (A Case Study of Go-Pay Mobile Payment). 2018 International Conference on Information Management and Technology (ICIMTech), Jakarta, Indonesia, 454–459. https://doi.org/10.1109/ICIMTech.2018.8528182
Chen, S. & Dhillon, G. (2003), “Interpreting dimensions of customer trust in e-commerce”, Information Technology and Management, 4(2), 303-318. https://doi.org/10.1023/A:1022962631249
Chiu, W., Cho, H., & Chi, C. G. (2020). Consumers’ continuance intention to use fitness and health apps: an integration of the expectation–confirmation model and investment model. Information Technology and People. https://doi.org/10.1108/ITP-09-2019-0463
Cho, J. (2016). The impact of post-adoption beliefs on the continued use of health apps. International Journal of Medical Informatics, 87, 75–83. https://doi.org/10.1016/j.ijmedinf.2015.12.016
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