Open Access

Barriers to digital payment adoption: micro, small and medium enterprises


Cite

APJI. (2022). Profil Internet Indonesia 2022. Apji.or.Od, June. apji.or.id Search in Google Scholar

Barati, S., & Shahriar Mohammadi. (2009). An Efficient Model to Improve Customer Acceptance of Mobile Banking. Proceedings of the World Congress on Engineering and Computer Science 2009 Vol II, II, 20–22. Search in Google Scholar

Borraz-Mora, J., Bordonaba-Juste, V., & Polo-Redondo, Y. (2017). Functional Barriers To the Adoption of Electronic Banking: the Moderating Effect of Gender. Revista de Economía Aplicada Número, 75, 107. Search in Google Scholar

Chemingui, H., & Lallouna, H. Ben. (2013). Resistance, motivations, trust and intention to use mobile financial services. International Journal of Bank Marketing, 31(7), 574–592. https://doi.org/10.1108/IJBM-12-2012-0124 Search in Google Scholar

Cheng, S., Lee, S. J., & Lee, K. R. (2014). User resistance of mobile banking in China: Focus on perceived risk. International Journal of Security and Its Applications, 8(2), 167–172. https://doi.org/10.14257/ijsia.2014.8.2.17 Search in Google Scholar

Claudy, M. C., Peterson, M., & O’Driscoll, A. (2013). Understanding the Attitude-Behavior Gap for Renewable Energy Systems Using Behavioral Reasoning Theory. Journal of Macromarketing, 33(4), 273–287. https://doi.org/10.1177/0276146713481605 Search in Google Scholar

Dawn lacobucci and Gilbert A. Churchill, J. (2010). Marketing research: methodological foundations. September. Search in Google Scholar

Dotzauer, K., & Haiss, F. (2017). Barriers towards the adoption of mobile payment services - An empirical investigation of consumer resistance in the context of Germany. Karistad Business Scholl, 1–82. http://www.diva-portal.org/smash/get/diva2:1114478/FULLTEXT02 Search in Google Scholar

Edmondson, A. C., Bohmer, R. M., & Pisano, G. P. (2001). Disrupted routines: Team learning and new technology implementation in hospitals. Administrative Science Quarterly, 46(4), 685–716. https://doi.org/10.2307/3094828 Search in Google Scholar

Gerrard, P., Barton Cunningham, J. and Devlin, J. F. (2006): (2006). “Why consumers are not using internet banking: a qualitative study”. Journal of Services Marketing, Vol. 20, n. 3, Pp. 160-168. Search in Google Scholar

Gibbs, B. J., & Drolet, A. (2003). Consumption Effort: The Mental Cost of Generating Utility and the Role of Consumer Energy Level in Ambitious Consumption. Journal of Consumer Psychology, 13(3), 268–277. https://doi.org/10.1207/S15327663JCP1303_08 Search in Google Scholar

Hair, J. F., Ringle, C. M., & Sarstedt, M. (2011). PLS-SEM: Indeed a silver bullet. Journal of Marketing Theory and Practice, 19(2), 139–152. https://doi.org/10.2753/MTP1069-6679190202 Search in Google Scholar

Heidenreich, S., & Handrich, M. (2015). What about Passive Innovation Resistance? Investigating Adoption-Related Behavior from a Resistance Perspective. Journal of Product Innovation Management, 32(6), 878–903. https://doi.org/10.1111/jpim.12161 Search in Google Scholar

Hundleby, J. D., & Nunnally, J. (1968). Psychometric Theory. In American Educational Research Journal (Vol. 5, Issue 3). New York: McGraw-Hill. https://doi.org/10.2307/1161962 Search in Google Scholar

Kaur, P., Dhir, A., Ray, A., Bala, P. K., & Khalil, A. (2020). Innovation resistance theory perspective on the use of food delivery applications. Journal of Enterprise Information Management, 34(6), 1746–1768. https://doi.org/10.1108/JEIM-03-2020-0091 Search in Google Scholar

Kaur, P., Dhir, A., Singh, N., Sahu, G., & Almotairi, M. (2020). An innovation resistance theory perspective on mobile payment solutions. Journal of Retailing and Consumer Services, 55(June 2019), 102059. https://doi.org/10.1016/j.jretconser.2020.102059 Search in Google Scholar

Kleijnen, M., Lee, N., & Wetzels, M. (2009). An exploration of consumer resistance to innovation and its antecedents. Journal of Economic Psychology, 30(3), 344–357. https://doi.org/10.1016/j.joep.2009.02.004 Search in Google Scholar

Kuisma, T., Laukkanen, T., & Hiltunen, M. (2007). Mapping the reasons for resistance to Internet banking: A means-end approach. International Journal of Information Management, 27(2), 75–85. https://doi.org/10.1016/j.ijinfomgt.2006.08.006 Search in Google Scholar

Laukkanen, T. (2016). Consumer adoption versus rejection decisions in seemingly similar service innovations: The case of the Internet and mobile banking. Journal of Business Research, 69(7), 2432–2439. https://doi.org/10.1016/j.jbusres.2016.01.013 Search in Google Scholar

Laukkanen, T., & Kiviniemi, V. (2010). The role of information in mobile banking resistance. International Journal of Bank Marketing, 28(5), 372–388. https://doi.org/10.1108/02652321011064890 Search in Google Scholar

Laukkanen, T., Sinkkonen, S., Kivijärvi, M., & Laukkanen, P. (2007). Innovation resistance among mature consumers. Journal of Consumer Marketing, 24(7), 419–427. https://doi.org/10.1108/07363760710834834 Search in Google Scholar

Marett, Kent, Pearson, Allison, W., Pearson, RodneyA., Bergiel, & Erich. (2015). Using mobile devices in a high risk context: The role of risk and trust in an exploratory study in Afghanistan. Search in Google Scholar

Migliore, G., Wagner, R., Cechella, F. S., & Liébana-Cabanillas, F. (2022). Antecedents to the Adoption of Mobile Payment in China and Italy: an Integration of UTAUT2 and Innovation Resistance Theory. Information Systems Frontiers, 0123456789. https://doi.org/10.1007/s10796-021-10237-2 Search in Google Scholar

Moorthy, K., Suet Ling, C., Weng Fatt, Y., Mun Yee, C., Ket Yin, E. C., Sin Yee, K., & Kok Wei, L. (2017). Barriers of mobile commerce adoption intention: Perceptions of generation X in Malaysia. Journal of Theoretical and Applied Electronic Commerce Research, 12(2), 37–53. https://doi.org/10.4067/S0718-18762017000200004 Search in Google Scholar

Ram, S., & Sheth, J. N. (1989). Consumer resistance to innovations: The marketing problem and its solutions. Journal of Consumer Marketing, 6(2), 5. https://doi.org/10.1108/EUM0000000002542 Search in Google Scholar

Rammile, N., & Nel, J. (2012). Understanding resistance to cell phone banking adoption through the application of the technology acceptance model (TAM). African Journal of Business Management, 6(1), 86–97. https://doi.org/10.5897/ajbm11.635 Search in Google Scholar

Sagayarani, D. (2021). Digital payments in India. IOSR Journal of Business and Management (IOSR-JBM), 28–33. apji.or.id Search in Google Scholar

Shin, C., Hong, J. H., & Dey, A. K. (2012). Understanding and prediction of mobile application usage for smart phones. UbiComp’12 - Proceedings of the 2012 ACM Conference on Ubiquitous Computing, May, 173–182. https://doi.org/10.1145/2370216.2370243 Search in Google Scholar

Sivathanu, B. (2019). Adoption of digital payment systems in the era of demonetization in India: An empirical study. Journal of Science and Technology Policy Management, 10(1), 143–171. https://doi.org/10.1108/JSTPM-07-2017-0033 Search in Google Scholar

Sobti, N. (2019). Impact of demonetization on diffusion of mobile payment service in India: Antecedents of behavioral intention and adoption using extended UTAUT model. Journal of Advances in Management Research, 16(4), 472–497. https://doi.org/10.1108/JAMR-09-2018-0086 Search in Google Scholar

Suhaeni, T. (2020). Analisis Hambatan Fungsional Terhadap Adopsi Layanan Mobile Payment. Jurnal Riset Bisnis Dan Investasi, 5(3), 36–45. https://doi.org/10.35313/jrbi.v5i3.1579 Search in Google Scholar

Venkatesh, V., & Davis, F. D. (2000). Theoretical extension of the Technology Acceptance Model: Four longitudinal field studies. Management Science, 46(2), 186–204. https://doi.org/10.1287/mnsc.46.2.186.11926 Search in Google Scholar

Venkatesh, V., & Hall, R. H. S. S. of B. U. of M. V. M. (2003). User Acceptance Of Information Technology: Toward A Unified View. Microvascular Research. https://doi.org/10.1006/mvre.1994.1019 Search in Google Scholar

Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance And Use Of Information Technology: Extending The Unified Theory Of Acceptance And Use Of Technology. MIS Quarterly, 36(1), 157–178. https://pdfs.semanticscholar.org/6256/0e2001480fd1f22558ce4d34ac93776af3e6.pdf%0A https://pdfs.semanticscholar.org/6256/0e2001480fd1f22558ce4d34ac93776af3e6.pdf?_ga=2.124539978.1994179764.1540339706-2125081534.1540339706 Search in Google Scholar

Yu, C. S., & Chantatub, W. (2016). Consumers’ resistance to using mobile banking: Evidence from Thailand and Taiwan. International Journal of Electronic Commerce Studies, 7(1), 21–38. https://doi.org/10.7903/ijecs.1375 Search in Google Scholar