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All Journal Jurnal Ekonomi Modernisasi Jurnal Manajemen dan Bisnis Indonesia MALIA Jurnal Ilmu Manajemen (JIMMU) Jambura Science of Management jurnal ilmiah hospitality JAMIN : Jurnal Aplikasi Manajemen dan Inovasi Bisnis Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia juremi: jurnal riset ekonomi Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi (JEMBA) Journal of Innovation Research and Knowledge Indonesian Journal of Applied and Industrial Sciences (ESA)
Syaifuddin Fahmi
Sekolah Tinggi Ilmu Ekonomi Kertanegara Malang
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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UNDERSTANDING CONSUMER MIGRATION TOWARD NON-CASH PAYMENT SYSTEMS: A PUSH–PULL–MOORING PERSPECTIVE Indarwati, Peni; Syaifuddin Fahmi; Catur Adi Pamungkas
Jurnal Ilmu Manajemen (JIMMU) Vol. 10 No. 2 (2025): Jurnal Ilmu Manajemen (JIMMU)
Publisher : Magister Manajemen Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jimmu.v10i2.24243

Abstract

AbstractThe digital transformation in the financial sector has brought about significant changes in consumer behavior, one of which is the use of non-cash payment systems as a substitute for cash. This study aims to determine the role of perceived value, alternative product attractiveness, and digital literacy variables on consumer switching intentions. Digital literacy is considered to have a moderating role that strengthens the relationship between perceived value and alternative product attractiveness on switching intentions, this also provides a novelty that is expected to be obtained in the study of consumer switching behavior. This study uses a quantitative approach through a survey method. Data were collected from 200 respondents who were encountered incidentally while shopping at retail outlets in the Malang city area. The data collection instrument used was a structured questionnaire with indicators created through a literature review and synthesis of previous research results. Data analysis used Partial Least Squares Structural Equation Modeling (PLS-SEM), by evaluating the measurement and structural models in the study. The results show that perceived value has an influence that can encourage consumers to have switching intentions. On the other hand, the attractiveness of alternative products is also a motivating factor for consumers to switch to using non-cash payment systems, where the stronger the attractiveness of alternative products, the higher the desire to switch. Another finding is that digital literacy is a mooring factor that can strengthen and weaken the relationship between perceived value and alternative attractiveness on the intention to switch. This is a contribution of research results that can provide insight to the business world so that it does not only focus on product sales but also pay attention to the extent to which consumers have sufficient literacy about the technology used in the product. Thus, the results of this study indicate that consumer intention to switch is not only influenced by the value and attractiveness of alternative products, but also there is a role of digital literacy as a reinforcement.
Co-Authors Afriliya Dian Pertiwi Ahmad Zainuri Anton Ferry Ananda Az Zahra, Dita Aulia Catur Adi Pamungkas Fernante Muhibi Handik Purwantoro Ike Ratnasari Indarwati, Peni Keren Happuch Risananda Rosandy Luluk Fitriah Muhammad Hudzaifah Nur Eko Cahyono Olivia Mimin Trisnawati Soumi, Alfina Laily Trisnawati, Olivia Mimin Zahrul Andriansyah