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All Journal Jurnal Basicedu JURNAL LENTERA BISNIS Jurnal Ilmiah Wahana Pendidikan Jurnal Basicedu Cakrawala: Jurnal Pengabdian Masyarakat Global Jurnal Pengabdian Masyarakat Indonesian Journal of Enterprise Architecture
Damaris Y Koli
Universitas Kristen Artha Wacana
Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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The Mediating Role of Trust in Digital Payment Adoption: The Influence of Perceived Ease of Use on Usage Decision Damaris Y. Koli; Jemmy J. S. Dethan; Alfred G. O. Kase
Indonesian Journal of Enterprise Architecture Vol. 3 No. 1 (2026): Indonesian Journal of Enterprise Architecture
Publisher : Global Research and Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/ijea.v3i1.590

Abstract

The rapid expansion of digital payment technologies has transformed financial transaction behavior, particularly in emerging urban environments. However, adoption decisions are influenced not only by technological functionality but also by psychological factors. This study examines the effect of perceived ease of use on digital payment usage decisions, with trust positioned as a mediating variable. A quantitative approach was employed using survey data collected from 96 digital payment users in Kupang City, Indonesia. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that perceived ease of use has a significant positive effect on trust (β = 0.870, p < 0.001) and usage decision (β = 0.612, p < 0.001). Trust also significantly influences usage decision (β = 0.295, p = 0.020) and partially mediates the relationship between perceived ease of use and usage decision. The model demonstrates substantial explanatory power, with R² values of 0.757 for trust and 0.776 for usage decision, and a good model fit (SRMR = 0.042). These findings extend the Technology Acceptance Model by demonstrating that usability influences digital payment adoption through both direct functional pathways and indirect trust-building mechanisms. The study highlights the strategic importance of integrating usability and trust to promote digital payment adoption in emerging urban contexts.
Co-Authors Alfred G.O Kase Alim Hardiansyah Cakranegara, Pandu Adi Cakranegara, Pandu Adi Enike Tje Yustin Dima Eva Desembrianita Febriana Inut Florida Fahik hardiansyah, alim Hermayanti Hermayanti Irwansyah, Rudy Jemmy Jonson Sula Dethan Jems Arison Zacharias Joni Kanisius Olin Nur Agus Salim Nur Agus Salim, Nur Agus Nyi Dewi Puspitasari Puspitasari, Nyi Dewi Selviana Domingga Hoar Yeni Yeni