<![CDATA[The development of mobile payment as a payment system has shifted banknote-based payments to smartphone-based payments. The OVO application is a mobile payment technology that accommodates various needs related to cashless. as well as facilitating a fast and easy transaction process using a smartphone in making payments so that it is safer from theft and counterfeit money fraud. The purpose of this research is to look for factors of intention to use the OVO application. The research method used is a conceptual model that combines the acceptance theory of UTAUT2 and the theory of Diffusion of innovation (DOI) and perceived technology security. 400 respondents who are residents of the city of Surabaya who use the OVO application. The results of research on performance excpentancy and social influence have contributed to the intention to use the OVO application. while effort expenctancy, facilitating conditions, hedon motivation, price value, innovativeness, compatibility and perceived technology security found that there was no effect on user behavior to use the OVO application.Keyword: UTAUT 2; Diffusion Of innovation; Percevied technology security; Mobile payment AbstrakPerkembangan mobile payment sebagai salah satu sistem pembayaran membuat pergeseran pembayaran berbasis uang kertas ke pembayaran berbasis melalui smartphone. Aplikasi OVO merupakan salah satu teknologi mobile payment yang mengakomodasi berbagai kebutuhan terkait dengan non-tunai. serta memfasilitasi proses transaksi yang cepat dan mudah menggunakan smartphone dalam melakukan pembayaran sehingga lebih aman dari pencurian dan penipuan uang palsu. Tujuan penelitian mencari faktor-faktor niat dalam menggunakan aplikasi OVO. Metode penelitian yang digunakan adalah model konseptual yang menggabungkan teori penerimaan UTAUT2 serta teori Diffusion Of innovation (DOI) dan perceived technology security. Responden sebanyak 400 orang yang merupakan penduduk kota Surabaya pengguna aplikasi OVO. Hasil penelitian perfomance excpentacny dan social influence memiliki kontribusi dalam memunculkan niat pengggunaan Aplikasi OVO. sedangkan effort excpentancy, faciliating conditions, hedon motivation, price value, inovativeness, compabillty dan perceived technology security ditemukan hasil tidak terdapat pengaruh dalam memunculkan perilaku pengguna untuk menggunakan aplikasi OVO.]]>
