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Exploring the Impact of National Culture on Mobile Payment

Riyadita Kamilah, Nurrani Kusumawati


Abstract. There is a shift of payment favorability in Indonesia, from cash to mobile payment. However, the people who utilize the mobile payment is only 14% hence there is a need to understand the market acceptance towards the technology. This paper combines the extended unified theory of acceptance and use of technology (UTAUT2) of Venkatesh, Thong, and Xu (2012) with a cultural dimension which is power distance from Hofstede (1980). That creates a new perspective of how the culture can affect technology acceptance. The model will be tested with SEM-PLS, in a quantitative study conducted in Indonesia’s big cities. The results predict that factors, such as performance expectancy, habit, facilitating condition, and price value have positive effects towards the acceptance. The strongest predictors for mobile payment acceptance is habit. The power distance is also found to be significant to moderate the effect of behavioural intention and use on mobile payment.

Keywords: mobile payment; technology acceptance;UTAUT; cultural dimension


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