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A Study of National Payment Gateway System in Indonesia

Ria Nurfahrohim, Fitri Aprilianty


Abstract. National Payment Gateway (NPG) is a system created by the government to actualize interconnection between switching and interoperability of national payment system. NPG is expected to provide convenience for Indonesian society to conduct interbank transactions. This research analyses the system, the adoption, and the challenge and future of NPG card. The analysis of NPG system shows there are similarities and differences system of NPG in several banks. For the adoption of NPG, the author uses modified Technology Acceptance Model (TAM) with four dimensions of Cashless Characteristics (Reachability, Compatibility, and Convenience), Individual Differences (NPG Knowledge and Innovativeness), Adoption Readiness (Perceived Usefulness, Perceived Ease of Use, Social Influence, and Facilitating Conditions), Perceived Credibility Risk (Privacy Risk and Security Risk). The result calculated by PLS-SEM indicates that Compatibility and Convenience has a significant influence to Perceived Usefulness and Perceived Ease of Use, and NPG knowledge also has a significant influence to Perceived Usefulness. While, in the adoption readiness dimension, only Facilitating Conditions that is proven has a significant effect to Intention to Use and the result shows people did not really concern about the Privacy and Security Risk of NPG card because both variables Privacy Risk and Security Risk in the Perceived Credibility Risk dimension has not significant influence to the Intention to Use of NPG card. Furthermore, the challenges and future of NPG is to overcome the disadvantages and to create the easier, faster, and safer system for society.

Keywords: National Payment Gateway; Cashless Payment; Debit Card; Technological Acceptance Model


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