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All Journal Excellent STRATEGIC Journal of Business Management Education (JBME) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JURNAL PENDIDIKAN TAMBUSAI Jurnal Ilmu Sosial Politik dan Humaniora (Jisora) International Journal of Marine Engineering Innovation and Research Sinar Sang Surya: Jurnal Pusat Pengabdian kepada Masyarakat Wasana Nyata Journal of Tourism Sustainability Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan e-Jurnal Apresiasi Ekonomi WASANA NYATA Jurnal Manajemen Bisnis Krisnadwipayana
Resa Nurlaela Anwar
Fakultas Ekonomi Universitas Darma Persada
Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Materials Science & Nanotechnology Mechanical Engineering Physics Social Sciences Transportation Veterinary Other

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Adoption Without Engagement? Unpacking the Impact of Innovation Characteristics, Risk, and Trust on Destination Digital Payment Performance Resa Nurlaela Anwar
Journal of Tourism Sustainability Vol. 6 No. 1 (2026)
Publisher : Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jtospolban.v6i1.210

Abstract

The acceleration of digital transformation has restructured the global tourism industry, making digital payment systems central to seamless travel experiences. However, a notable paradox persists: "adoption without engagement," in which tourists register for digital payment services but revert to cash at their destination. This study aims to extend the Diffusion of Innovations (DOI) framework by integrating perceived risk and trust to evaluate their combined impact on the intention to adopt digital payments and on subsequent experiential performance at the destination. Using a quantitative explanatory research design, data were collected from 400 tourists in Indonesia and analyzed via Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that Relative Advantage, Trust, and Compatibility have significant positive effects on the intention to adopt digital payments, while Perceived Risk acts as a substantial negative anchor. Notably, Complexity and Trialability did not significantly influence intention, likely because the sampled younger demographics had high digital literacy. Furthermore, intention to adopt serves as a vital bridge, significantly influencing the destination's holistic experiential performance. The results suggest that overcoming the engagement gap requires destination management organizations and fintech providers to prioritize risk mitigation and high-value propositions over mere technical ease of use.
Co-Authors Abda Abda Alda Ivanka Alviayatun, Tuti Amelia, Diah Ratna Danny Faturachman, Danny Fandy Satria Putra Firsan Nova Fiska Ananda Wardani Handayani, Ellena Nurfazria Ifan Ifan Indra Kurniawan Khusnul Khotimah Melani Quintania Nurali, Nurali Nurianah, Nurianah Raynes Firdaus Ria Aprillia Rini Setiawati Rini Setiawati Sirait, Hermin Suprapto, Firre An Tiswoyo, Haddad Alif Dafa Vanessa Gaffar Wardani, Widya Ayu Wenda Wahyu Christiyanto Zuhroh, Siti