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All Journal Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis KINDAI : Kumpulan Informasi dan Artikel Ilmiah Manajamen dan Akuntansi
Radiany, M. Andri
Unknown Affiliation
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science

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PREDICTING USER ADOPTION OF DIGITAL PAYMENT PLATFORMS: A QUANTITATIVE ANALYSIS BASED ON UTAUT Radiany, M. Andri
KINDAI Vol 21 No 2 (2025): KINDAI
Publisher : JURNAL KINDAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35972/kindai.v21i2.2437

Abstract

This study investigates the influence of Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Condition on Behavioral Intention to use the OVO digital payment system in Indonesia. Utilizing a quantitative approach with regression and T-test analysis, data were collected from 150 respondents representing various age groups and genders. The analysis reveals that all four independent variables significantly and positively affect users’ behavioral intention to adopt and continue using OVO. Performance Expectancy has the strongest influence, followed by Facilitating Condition, Social Influence, and Effort Expectancy. These findings confirm that users are more likely to adopt OVO when they perceive it as useful, easy to use, socially supported, and adequately facilitated by infrastructure. The study provides important implications for fintech developers, policymakers, and marketers to enhance user adoption through targeted strategies tailored to these key determinants. Keywords: Behavioral Intention, Digital Payment System, Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition
How Behavior and Perceptions Shape the Use of Digital Wallets in Indonesia Radiany, M. Andri; Amelia; Purwanto, Nuri
Public Policy Jurnal Aplikasi Kebijakan Publik dan Bisnis
Publisher : Lembaga Penelitian & Pengabdian Masyarakat (LPPM) STIA Said Perintah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51135/PublicPolicy.v6.i2.p556-568

Abstract

This study examines the influence of facilitating conditions, hedonic motivation, price value, and habit on behavioral intention, and the subsequent impact of behavioral intention on actual usage of the DANA digital payment platform in Indonesia. A quantitative method was used, involving 130 respondents who completed a structured online questionnaire. Multiple linear regression analysis revealed that all four variables significantly affect behavioral intention, with habit as the strongest contributor, followed by hedonic motivation, facilitating conditions, and price value. Additionally, behavioral intention was found to have a significant influence on actual usage of DANA. These results highlight that users’ adoption and continued use of digital payment services are strongly shaped by habitual patterns, user enjoyment, and practical benefits such as ease of use and cost efficiency. This study offers valuable insights for service providers aiming to improve user engagement and platform usage.
Co-Authors Amelia Purwanto, Nuri