The Role Attitude as a Mediation Between The Effects of Perceived Usefulness, Perceived Ease of Use, And Perceived Trust on The Intention to Adopt Mobile Payment Technology

This study aims to identify factors that influence the intention of adopting a newly introduced mobile payment technology by proposing a conceptual framework which is based on the technology acceptance model (TAM). Data for the study were collected through online survey to 169 respondents. Data analysis was conducted by using Structural Equation Modeling (SEM) technique with LISREL. The results show user’s attitude plays a significant role in mediating the effects of both perceived usefulness and perceived trust on the intention to adopt a mobile payment technology. In contrary to previous studies, this study shows that perceived ease of use fails to bring significant effect on attitude. These results imply that providers of new digital technology should pay more attention on promoting the usefulness of their services. It is also important for the providers to take into account the element of trust in their services