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All Journal JAM : Jurnal Aplikasi Manajemen Journal of Economic, Bussines and Accounting (COSTING) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) J-MKLI (Jurnal Manajemen dan Kearifan Lokal Indonesia) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ilmiah Manajemen Kesatuan Enrichment : Journal of Management Jurnal Akuntansi dan Keuangan INVEST : Jurnal Inovasi Bisnis dan Akuntansi Asian Journal of Management Analytics Jurnal Kajian Ilmu Manajamen Economic and Business Horizon
Nurita Andriani
Jurusan Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Trunojoyo Madura
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Journal : Asian Journal of Management Analytics

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Consumer Preferences and Decision-Making in Digital Payments: A Systematic Review Using the Technology Acceptance Model (TAM) Fadilah, Nuriya; Andriani, Nurita
Asian Journal of Management Analytics Vol. 4 No. 2 (2025): April 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v4i2.14295

Abstract

The development of digital technology has driven the adoption of digital payments such as e-wallets, mobile banking, and QRIS. This study employs a Systematic Literature Review (SLR) to analyze the factors influencing consumer preferences and decision-making based on the Technology Acceptance Model (TAM). The findings indicate that Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Attitude Toward Use (ATU), and Behavioral Intention (BI) play a crucial role in the adoption of digital payments. Additionally, factors such as security, trust, economic incentives, and social influence also have a significant impact. Trust and security enhance user loyalty, while incentives and social influence accelerate adoption. Thus, while TAM remains relevant, external factors must be considered in the development of digital payment systems.
Co-Authors Adriansyah, Agung Alfira, Sonya Ananda, Dea Andika Prasetya, Andika Aniqurroziqi, Ashef Anshori, Mochammmad Ansori, Mochammad aroh, musay Aziz, Moh. Waladil Fadilah, Nuriya Hidayat, Imam Nur Hosnaidah, Hosnaidah Humairoh, Tuffahul Ilham Maulana Irsyadi, Naufalil Asyam Jannah, Salamatun khamilah, faizatul Kristanti, Pingki Muqtafibillah, Ubadah Nengsi, Nur Safika Nengsi Nuran Nuri, Siti Pradanis, Muhammad Nandito Prayogo, Ahmat RR. Ella Evrita Hestiandari Selviyanti, Nur Hidayah Sulis, Yuliana Dewi Syarif, Muh.