Jurnal Manajemen Bisnis Vol. 8, No. 2 (2021) September, Hal.

285-294
e-ISSN: 2621-1971|p-ISSN: 2088-7086

Factors Influencing Intention to Use SPayLater in Indonesia

Rezki Orientani1* , Masmira Kurniawati2
Management Science Study Program, Faculty of Economics and Business, Universitas Airlangga,
1*,2

Surabaya City, East Java 60286

ARTICLE INFO ABSTRACT

Payment instruments are part of technological developments. The existence of this
development is utilized by finance companies such as peer-to-peer lending technology.
Peer-to-peer lending in Indonesia continues to increase, one of the products of peer-to-
peer lending companies is SPayLater which is a product of Shopee Indonesia and PT.
Lentera Dana. This study provides an overview of the effect of perceived ease of use,
perceived usefulness, perceived compatibility towards attitude toward using and
perceived cost, subjective norm, personal innovativeness on intention to use. This study
uses a quantitative method by distributing 250 online questionnaires to Shopee
Correspondence Email: consumers. Data analysis was carried out using SEM and assisted by PLS 3 software.
[email protected] The results of this study indicate that perceived ease of use does not affect attitude
toward using SPayLater payment system, perceived cost and personal innovativeness
do not affect intention to use the SPayLater payment system, while perceived
Keywords: usefulness, perceived compatibility, attitude toward using and subjective norm affect
Pay Later; Intention to Use; TAM; the intention to use the SPayLater payment system.
Perceived Cost; Perceived
Compatibility; Subjective Norm ABSTRAK
Pembayaran merupakan bagian dari perkembangan teknologi. Keberadaan
pengembangan ini dimanfaatkan oleh perusahaan pembiayaan seperti teknologi peer-
DOI: to-peer lending. Peer-to-peer lending di Indonesia terus meningkat, salah satu produk
perusahaan peer-to-peer lending adalah SPayLater yang merupakan produk dari
https://doi.org/10.33096/jmb.v8i2.842
Shopee Indonesia dan PT. Lentera Dana. Penelitian ini memberikan gambaran umum
tentang efek kemudahan penggunaan yang dirasakan, kegunaan yang dirasakan,
kompatibilitas yang dirasakan terhadap sikap terhadap penggunaan dan biaya yang
dirasakan, norma subjektif, inovatif pribadi tentang niat untuk digunakan. Penelitian
ini menggunakan metode kuantitatif dengan mendistribusikan 250 kuesioner online
kepada konsumen Shopee. Analisis data dilakukan menggunakan SEM dan dibantu
oleh perangkat lunak PLS 3. Hasil penelitian ini menunjukkan bahwa kemudahan
penggunaan yang dirasakan tidak mempengaruhi sikap terhadap penggunaan sistem
pembayaran SPayLater, biaya yang dirasakan dan inovatif pribadi tidak
mempengaruhi niat untuk menggunakan sistem pembayaran SPayLater, sementara
dirasakan kegunaannya, kompatibilitas yang dirasakan, sikap terhadap penggunaan
dan norma subjektif mempengaruhi niat untuk menggunakan sistem pembayaran
SPayLater.

INTRODUCTION
Payments were initially made by barter, cash payments and cashless payments. One of the
cashless payment instruments is APMK (Alat Pembayaran Menggunakan Kartu) or card payment.
Bank Indonesia (BI) explained that the number of APMK user transactions is increasing from 2014
to 2020, but there was a decline in 2018 due to new policies. The increase in the use of APMK is in
line with the increase in the number of credit card transactions. Credit cards also experienced an
increase in the number of transactions from 2013 to 2019.
APMK is part of fintech, with the existence of fintech, payments can now be made remotely
and in a short time duration. IDX Director of Information Technology and Risk Management, Fithri

Orientani & Kurniawati 285

Hadi in a seminar at the Indonesia Stock Exchange, explained that fintech 3.0 can be utilized by
companies that do not have a financial services license but can provide such service for consumers,
such as peer-to-peer lending. Fintech peer-to-peer Lending is one of the innovations in the financial
sector by utilizing technology that allows lenders and loan recipients to conduct lending and
borrowing transactions through electronic means. With this, people no longer need to go to the
bank to apply for a loan so that the requirements and procedures that were originally carried out
face to face can now be done online. In March 2020, the total number of registered and licensed
fintech lending providers at the OJK was 161 companies, which is an increase compared to January
2019, which was only 99 companies. OJK statistics regarding peer-to-peer lending in March 2020
online loan funds stated that it has reached Rp 102.53 trillion (up 208.83% YoY). The number of
debitor accounts increased by 246.99% YoY to 24,157,567 accounts, while the number of creditor
accounts increased by 134.91% to 640,233 accounts.
Pay Later is a financial technology product that emerged in 2018. Pay Later is a new
technology in payment methods that provides installment facilities without a credit card with a
system of buying a product now and paying for the transaction at a later date. Pay Later provides
convenience in registration and verification. SPayLater is the only Pay Later product owned by e-
commerce, namely Shopee. SPayLater is a collaboration between Shopee and PT Lentera Dana
Nusantara which has been registered and supervised directly by OJK (Otoritas Jasa Keuangan - the
financial service authority in Indonesia)
SPayLater can only be enjoyed by active Shopee users who are deemed eligible to use
SPayLater. SPayLater provides advantages in registering, which can be done easier than
conventional banks, because they only need to show their ID cards, take selfies with their ID cards
without the need to go through the BI checking process. Another advantage of using SPayLater,
users only need to select the SPayLater payment method and the transaction will be processed
immediately.
According to Schierz et al. (2010), someone will consider using a mobile payment service if
they find that the service can be adapted to their existing behaviour patterns, this is referred to as
compatibility. Tan et al. (2014) stated that transactional fees can prevent someone from using a
mobile credit card. This is the same as the pay later system where users will be charged transactional
fees. In addition, some factors support technology so that it can be accepted by the community,
namely perceived ease of use and perceived usefulness. Two factors cause a person to accept or
reject any information technology, namely perceived usefulness and perceived ease of use.
Perceived usefulness and perceived ease of use also result in attitudes. Chuang et al. (2016) say that
a person's intention to use technology is influenced by their attitude towards the technology. Pay
later is a new technology in current payment methods so that in the early stages of use one will need
information about the technology from other people (Schepers and Wetzels, 2007). Individuals with
high personal innovativeness will be more curious, dynamic and want to try new things (Kim et al.,
2010). In research on mobile payments, personal innovation also has a positive impact on intentions
to use a mobile payment system (Leong et al., 2013; Tan et al., 2013 and Luna et al., 2016). The pay
later system is a relatively new technology system in Indonesia and it is expected that innovative
customers will personally develop a more positive attitude towards this new service. The
conceptual framework formed is as the following:

Factors Influencing Intention to Use SPayLater,… 286

 Figure 1 Conceptual Framework

Perceived ease of use influences consumer attitudes because perceived ease of use can lead
to positive attitudes to consumers, the more consumers perceive the use of technology as easy to
understand, easy to use, and clear in the process, only then their attitude towards the technology
will be more positive (Sularso, 2012). Perceived ease of use of an application can affect attitudes in
the form of acceptance or rejection of an application. If an application that has just been introduced
by consumers is considered easy to use, the consumer will show a positive attitude or will accept
the application (Rifa'i, 2019).
H1: perceived ease of use positively impact attitude toward using the pay later payment system

Research on perceived usefulness is seen as the extent to which the use of technology can
complete shopping tasks more quickly, in terms of online shopping adoption (Ashraf et al., 2014).
Smartphone credit cards (SCC) offer benefits such as faster checkouts that are seen to be more
efficient and convenient. SCC also provides more security so that consumers do not need to carry
cash when shopping (Boon Ooi and Han Tan, 2016), this will positive effect on consumer attitudes.
If the use of online technology is considered beneficial, then consumer attitudes towards online
purchases will be positive. The proposed hypothesis is as follows
H2: perceived usefulness positively impact attitude toward using the pay later payment system

Perceived usefulness can be influenced by perceived ease of use because the easier a system
is to use, the more benefits the system will feel. The ease of using a system will create an impression
of the usefulness of the system itself. Easy-to-use technology can provide benefits to its users (Davis,
1989). Bailey et al. (2019) stated that if consumers perceive innovation as easy to use, it is likely that
this will increase their perception of the usefulness of the innovation.
H3: perceived ease of use positively impact perceived usefulness

Orientani & Kurniawati 287

 Compatibility is one of the main triggers of the adoption of innovations and new
technologies (Rogers, 1962). Perceived compatibility has a very high influence on perceived
usefulness and attitude toward using payments (de-Luna et al, 2016). Regarding the results of
perceived compatibility and perceived usefulness, it will benefit marketers that mobile payment
services are currently able to complement the busy lifestyles of consumers because there is a general
trend that shows that internet-based technology, especially mobile payments, is the right answer to
the challenges of modern life for consumers (Aslam, 2017). The proposed hypothesis is as follows:
H4: perceived compatibility positively impact perceived usefulness

Chen (2008) stated that m-payment services are most likely to be in demand when people
use services that match their lifestyle and social image. If innovation is following the needs,
lifestyles, and values of consumers, it will have a greater chance of being accepted by consumers
(Aslam, 2017). The emergence of a new mobile payment that is following one's lifestyle is expected
to cause positive feelings towards the use of the technology, and on the other hand, if the new
mobile payment is not under one's lifestyle, negative response will emerge upon using the system.
The proposed hypothesis is as follows:
H5: Perceived compatibility positively impact attitude toward using the pay later payment system

Intention to Use is the main dependent variable in studies based on TAM (Venkatesh et al.
2003), which is defined as the likelihood that a person will use the technology. TAM theory explains
that the main antecedent and main mediator of the influence of other variables on intention to use
is a person's attitude towards technology use (Davis, 1989). While the TRA theory explains that the
more positive the attitude towards a behaviour, the greater the intention to adopt a certain
behaviour. This theory also states that individual behaviour is motivated by attitudes. Research de-
Luna et al. (2016) found that attitude towards the system is the most important variable and this
confirms that attitude is the main precursor of intention. The proposed hypothesis is as follows:
H6: The attitude toward using positively impact intention to use the pay later payment system

Tan (2015) found that cost is an important factor in intention to use mobile payments.
Folorunso et al. (2006) said that one of the obstacles that affect adoption is cost, because hidden
transactions can add costs (Wu and Wang, 2005) and high costs are a crucial factor in adopting
mobile banking (Sadi and Noordin, 2010). Wu et al. (2006) stated that in the intention of adopting
the system, transaction costs for using services, maintenance and upgrade costs are obstacles. The
proposed hypothesis is as follows:
H7: perceived cost negatively impact intention to use the pay later payment system

Agarwal and Prasad (1998) argued that personal innovation in IT adoption is an important
factor explaining individual consumer adoption behaviour. Personal Innovativeness IT (PIIT) is
conceptualized as an individual's willingness to try information technology that is not influenced
by the environment or internal variables. Kim et al (2010) stated that some part of the citizen still
have little to no experience with new cellular services and therefore, innovation will play an
important role in the intention to adopt new cellular technologies. The proposed hypothesis is as
follows:
H8: personal innovativeness positively impact intention to use the pay later payment system

Factors Influencing Intention to Use SPayLater,… 288

 Subjective norm involves the perception of approval from others who are considered
important about whether or not a person should engage in a behaviour. The subjective norm in the
context of mobile payments is the extent to which the social environment views these payments as
necessary (Schierz et al., 2010). Usually, in the early stages of developing a mobile payment system,
most of the potential users of any technology do not have reliable information about the use of the
technology (de-Luna et al., 2016; Liebana-Cabanillas et al., 2015) therefore, third parties play a large
role in influencing the payment system (Schepers and Wetzels 2007).
H9: subjective norm positively impact intention to use the pay later payment system system

RESEARCH METHOD
This study uses quantitative methods by distributing surveys obtained from respondents'
answers through filling out online questionnaires. In this study, there are five exogenous variables,
namely perceived ease of use, perceived compatibility, perceived cost, personal innovativeness,
subjective norm and three endogenous variables, namely perceived usefulness, attitude toward
using and intention to use. The type of data source used is primary data obtained by respondents
related to the statement of intent using SPayLater and secondary data obtained from the Shopee
website. The population in this study is the Indonesian citizen who has a Shopee account with a
sample of 250 respondents obtained from the rule of thumb formula according to Hair et al. (2010).
Using a purposive side technique, the characteristics of the sample are made for those who have
made a transaction at the latest in the last three months on a Shopee account, have never used the
SPayLater payment method, have a verified Shopee account for more than 3 months and is required
to have an ID card.
The questionnaire is provided with five options as the answer, namely strongly agree, agree,
neutral, disagree and strongly disagree. The analytical technique used in this study is Structural
Model Equation (SEM) with Partial Least Square (PLS) software to test the measurement and the
structural model.

RESULT AND DISCUSSION

Based on gender, the majority are women which takes 156 respondents. Meanwhile, the
majority of respondent's age is 25-39 years old and the highest education degree is D4/S1 with the
private employee as the majority of occupations.

Outer Model Test

Table 1. Validity and Reliability
Indicator Factor Cronbach's Composite Average Variance
Loading Alpha Reliability Extracted (Ave)
Attitude toward using 0,956 0,972 0,92
(AT)
AT1 0,972
AT2 0,967
AT3 0,937
intention to use (IN) 0,945 0,965 0,901
IN1 0,959
IN2 0,963
IN3 0,924

Orientani & Kurniawati 289

 Perceived 0,951 0,968 0,91
Compatibility (PCP)
PCP1 0,967
PCP2 0,947
PCP3 0,947
Perceived Cost (PCT) 0,815 0,891 0,733
PCT1 0,907
PCT2 0,908
PCT3 0,743
Perceived Ease of Use 0,897 0,936 0,829
(PE)
PE1 0,927
PE2 0,934
PE3 0,869
Personal 0,843 0,89 0,673
Innovativeness (PI)
PI1 0,897
PI2 0,805
PI3 0,907
PI4 0,647
Perceived Usefulness 0,907 0,942 0,844
(PU)
PU1 0,902
PU2 0,944
PU3 0,909
Subjective Norm (SN) 0,88 0,926 0,807
SN1 0,924
SN2 0,838
SN3 0,93
Source: data processing results, 2020

Based on the table loading factor, each indicator has met the limit value of > 0.5 so the
indicator is considered valid. All constructs have an AVE value > 0.5 indicating a good
measurement validity. For the reliability test, each indicator of each variable shows that the
composite reliability value is > 0.7 and the Cronbach's alpha value is > 0.6. It shows that each
indicator on the variable is declared reliable or consistent to be used as a measurement item on a
certain variable.

Table 2. Cross Loading

AT IN PCP PCT PE PI PU SN
AT1 0,972 0,859 0,777 0,024 0,528 0,297 0,740 0,615
AT2 0,967 0,831 0,802 -0,011 0,559 0,295 0,771 0,678
AT3 0,937 0,834 0,767 -0,080 0,547 0,308 0,726 0,697
IN1 0,845 0,959 0,803 0,103 0,464 0,238 0,655 0,607
IN2 0,851 0,963 0,792 0,007 0,467 0,211 0,665 0,607
IN3 0,802 0,924 0,886 0,046 0,452 0,192 0,663 0,757
PCP1 0,757 0,842 0,967 0,033 0,465 0,192 0,694 0,728
PCP2 0,813 0,821 0,947 0,027 0,471 0,240 0,699 0,679
PCP3 0,762 0,830 0,947 0,056 0,405 0,184 0,653 0,739
PCT1 -0,009 0,055 0,074 0,907 0,035 0,108 -0,026 -0,009
PCT2 -0,023 0,042 0,060 0,908 0,033 0,064 -0,065 -0,004
PCT3 -0,030 0,042 -0,044 0,743 0,111 0,146 -0,007 0,095
PE1 0,499 0,418 0,415 0,080 0,927 0,275 0,685 0,422

Factors Influencing Intention to Use SPayLater,… 290

 PE2 0,591 0,488 0,428 0,069 0,934 0,264 0,726 0,430
PE3 0,453 0,416 0,441 0,032 0,869 0,164 0,675 0,465
PI1 0,271 0,177 0,167 0,065 0,177 0,897 0,108 0,169
PI2 0,279 0,237 0,234 0,108 0,280 0,805 0,177 0,204
PI3 0,281 0,186 0,178 0,095 0,170 0,907 0,100 0,179
PI4 0,134 0,063 0,040 0,223 0,244 0,647 0,139 0,042
PU1 0,752 0,658 0,611 -0,080 0,655 0,146 0,902 0,517
PU2 0,697 0,618 0,647 -0,007 0,756 0,158 0,944 0,572
PU3 0,696 0,645 0,713 -0,017 0,694 0,133 0,909 0,650
SN1 0,629 0,653 0,716 0,015 0,392 0,146 0,551 0,924
SN2 0,539 0,522 0,568 0,065 0,528 0,166 0,586 0,838
SN3 0,685 0,675 0,721 0,003 0,402 0,235 0,575 0,930
Source: data processing results, 2020

The table shows that the correlation value of certain constructs along with their indicators
is higher than other constructs. For example in one of the Attitude toward using (AT) indicators,
namely AT1, a value of 0.972 is shown which when compared with the value on intention to use
(IN) of 0.859 and perceived compatibility (PCP) of 0.777 where the AT value is higher than the two
variables, meaning all indicators in this study can be used to make valid measurements.
Inner Model Test

Table 3. R square Test

R Square (R2)
Attitude toward using 0,743 Moderate
Intention to use 0,792 Strong
Perceived usefulness 0,747 Moderate
Source: data processing results, 2020

Attitude toward using has an R2 value of 0.743 which shows a strong influence, meaning
that 74.3% of the variation in the value of Attitude toward using can be justified by perceived ease
of use, Perceived Usefulness and perceived compatibility. Perceived Usefulness has an R2 value of
0.747 which indicates moderate quality, meaning that the Perceived Usefulness variable can be
predicted by perceived ease of use and perceived compatibility variables of 74.7%. Intention to use
has an R2 value of 0.792 which indicates a strong quality, meaning that the variable Intention to use
can be predicted by the variable Attitude toward using, perceived cost, subjective norm and
personal innovativeness of 79.2%. Based on the predictive relevance value, the model has a Q square
value of 0.9865 or 98.65% which indicates a good model as it is close to 1.

Table 4. P Value Results

Original Sample (O) P Values
1 PE -> AT 0,036 0,544 No
2 PU -> AT 0,366 0,000 Yes
3 PE -> PU 0,550 0,000 Yes
4 PCP -> PU 0,457 0,000 Yes
5 PCP -> AT 0,457 0,000 Yes
6 AT -> IN 0,792 0,000 Yes
7 PCT -> IN 0,076 0,054 No
8 PI -> IN -0,063 0,084 No
9 SN -> IN 0,155 0,003 Yes
Source: data processing results, 2020

Orientani & Kurniawati 291

 Based on hypothesis testing and data analysis in this study, it shows that perceived ease of
use does not affect attitude toward using the SPayLater payment system. Perceived usefulness
positively affects attitudes toward using the SPayLater payment system. Therefore, SPayLater is
proven to be a useful payment method and therefore can lead to a positive attitude towards using
the SPayLater payment system. Perceived ease of use positively affects perceived usefulness.
SPayLater is an easy-to-use payment method hence a useful payment method. Perceived
compatibility positively affects perceived usefulness and therefore SPayLater is a payment method
that is following the previously known way of buying products and services hence a useful
payment method. Perceived compatibility positively affects perceived usefulness. SPayLater is a
method that is following the previously known method so that it will lead to a positive attitude
towards using the SPayLater payment system. Attitude toward using the SPayLater payment
system positively affects the intention to use the SPayLater payment system. A positive attitude
towards SPayLater will affect the intention to use SPayLater. Perceived cost does not affect the
intention to use the SPayLater payment system so that the fees charged to SPayLater do not affect
the respondent's intention to use SPayLater. Personal innovativeness does not affect the intention
to use the SPayLater payment system. One’s high innovativeness will not affect one’s intention to
use SPayLater. Subjective norm affects the intention to use the SPayLater payment system so that
most people around those who use SPayLater will be influenced to do so.

CONCLUSSION
The limitation of this study is the difficulty to generalize the diverse response.
Questionnaires were distributed through chat applications so that the samples obtained were not
necessarily representing the Indonesian citizen and special interviews were needed to be able to
obtain feedback as a more complete response. Also, As a suggestion for practitioners, due to the fact
that attitude toward using SPayLater has a positive effect on the intention to use SPayLater, Shopee
and PT. Lentera Dana as providers of SPayLater needs to create positive public attitudes towards
SPayLater through perceived usefulness. Hence, marketers need to increase the usability of the
SPayLater payment method. In this study, the subjective norm variable has the smallest effect on
the intention to use SPayLater. Therefore, marketers need to increase their number of users so that
potential users are under the impression that using SPayLater is a must. The community feels that
the SPayLater operational fee is high as well as the interest rate. Due to the aforementioned fact,
marketers need to pay attention to the fees charged to users. Respondents agree that the cost of
using SPayLater is higher than using other payment methods, so marketers need to provide more
benefits for users such as shipping insurance and loyalty for timely manner payment. Intention to
use SPayLater is included in the neutral category so marketers need to create public intention to use
SPayLater by introducing SPayLater's usefulness and ease of transaction.
The researcher suggests that in future research, the hypothesis that was rejected in this study
with a different and more spread-out respondent profile needs to be retested. Future research also
needs other variables that are still related to the object of research such as the quality of information
to find out whether it influences intention to use pay later.

Factors Influencing Intention to Use SPayLater,… 292

REFERENCE
Agarwal, R., Prasad, J., 1998. A conceptual and operational definition of personal innovativeness in
the domain of information technology. Inf. Syst. Res. 9 (2), 204–215
Ashraf, A. R., N. Thongpapanl, and S. Auh. 2014. “The Application of the Technology Acceptance
Model under Different Cultural Contexts: The Case of Online Shopping Adoption.” Journal
of International Marketing 22 (3): 68–93. doi:10.1509/jim.14.0065
Aslam, W., Ham, M., dan Arif, I. (2017). Consumer behavioral intentions towards mobile payment
services: An empirical analysis in Pakistan. Market-Tržište, 29(2), 161-176
Bailey, A. A., Pentina, I., Mishra, A. S., dan Ben Mimoun, M. S. (2020). Exploring factors influencing
US millennial consumers’ use of tap-and-go payment technology. The International Review
of Retail, Distribution and Consumer Research, 30(2), 143-163.
Chuang, L. M., Liu, C. C., dan Kao, H. K. (2016). The adoption of fintech service: TAM perspective.
International Journal of Management and Administrative Sciences, 3(7), 1-15
Chen, L. (2008). A model of consumer acceptance of mobile payment. International Journal of Mobile
Communications, 6, 32-52. doi:10.1504/IJMC.2008.015997
Davis, F. D., R. P. Bagozzi, and P. R. Warshaw. (1989). “User Acceptance of Computer Technology:
A Comparison of Two Theoretical Models.” Management Science 35 (8): 982–1004.
doi:10.1287/ mnsc.35.8.982
Folorunso, O., O. S. Ogunseye, and S. K. Sharma. 2006. “An Exploratory Study of the Critical Factors
Affecting the Acceptability of e-Learning in Nigerian Universities.” Information
Management and Computer Security 14 (5): 496–505
Hair, J. F., Anderson, R. E., Babin, B. J., dan Black, W. C. (2010). Multivariate data analysis: A global
perspective (Vol. 7).
Kim, C., Mirusmonov, M. dan Lee, I. (2010). An Empirical Examination of Factors Influencing the
Intention to Use Mobile Payment. Computers in Human Behavior, 26, 3, 310-322
Liébana-Cabanillas, F., Ramos de Luna, I., dan Montoro-Ríos, F. J. (2015). User behaviour in QR
mobile payment system: the QR Payment Acceptance Model. Technology Analysis dan
Strategic Management, 27(9), 1031-1049.
Leong, K., dan Sung, A. (2018). FinTech (Financial Technology): what is it and how to use
technologies to create business value in fintech way?. International Journal of Innovation,
Management and Technology, 9(2), 74-78.
Ooi, K. B., dan Tan, G. W. H. (2016). Mobile Technology Acceptance Model: An Investigation Using
Mobile Users to Explore Smartphone Credit Card. Expert Systems with Applications, 59, 33-46.
Ramos-de-Luna, I., Montoro-Ríos, F., dan Liébana-Cabanillas, F. (2016). Determinants of the
intention to use NFC technology as a payment system: an acceptance model
approach. Information Systems and e-Business Management, 14(2), 293-314
Rifa’i, R. (2019). Mengukur Peran Mediasi Perceived Usefulness Dalam Hubungan Perceived Ease
To Use Pada Attitude Pengguna Aplikasi Kai Access. Ncab.
Rogers, Everett M. 1962. Diffusion and Innovation. The Free Press: New York
Sadi, A.H.M. dan Noordin, M.F. (2011). Factors Influencing the Adoption of M-Commerce: An
Exploratory Analysis. In Proceedings of the 2nd International Conference on Industrial

Orientani & Kurniawati 293

 Engineering and Operations Management (492-499). Sydney: IEOM Research Solutions Pty
Ltd.
Schepers, J., and M. Wetzels. (2007). “A Meta-analysis of the Technology Acceptance Model:
Investigating Subjective Norm and Moderation Effects.” Information and Management 44 (1):
90–103
Schierz, P. G., Schilke, O., dan Wirtz, B. W. (2010). Understanding consumer acceptance of mobile
payment services: An empirical analysis. Electronic commerce research and
applications, 9(3), 209-216.
Sularso, R. A. (2012). Pengaruh Kemudahan Penggunaan dan Manfaat yang Dirasakan terhadap
Sikap dan Niat Pembelian Online (Studi pada Pembelian Batik di Jawa Timur). Jurnal
Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship, 1(2), 17-32.
Tan, G. W. H., Ooi, K. B., Chong, S. C., dan Hew, T. S. (2014). NFC mobile credit card: the next
frontier of mobile payment?. Telematics and Informatics, 31(2), 292-307
Venkatesh, “User Acceptance of Information Technology: Toward a Unified View,” Management
Information Systems Research Center, University of Minnesota , vol. 27, September 2003.
Wu , J. H., dan Wang, S. C. (2005). What drives mobile commerce. An empirical evaluation of the
revised technology acceptance model. Information and Management, 42(5), 719–729.

Factors Influencing Intention to Use SPayLater,… 294