A Study Of Factors Affecting The Intention To Use Go-pay Among University Students In Indonesia

The purpose of this research is to identify and study the factors that significantly affecting the intention to use mobile wallet called Go-pay among university students in Indonesia.Go-pay is a brand of mobile wallet that is launched by a motor-cycle ride hailing company called Go-jek in 2016.The smartphone,internet penetration and online shopping in Indonesia is fast growing but the adoption and the use of cashless payment is still slow.Hence,to reduce the use of cash,the Government was implementing a program to encourage cashless society in Indonesia called Gerakan Nasional Non-tunai(GNNT)or can be translated as "National Cashless Movement".Since mobile wallet is considered as new technology,it is important for companies such as Go-jek to study the factors that are important for the users to use the mobile wallet such as Go-pay.This study is based on the model and theory of technology acceptance model(TAM),unified theory of acceptance and use of technology(UTAUT)and other technology acceptance model.Online survey questionnaire was formed and distributed through referrals that fit the criteria of university students studying in Indonesia.The independent variables perceived usefulness,perceived ease of use,social influence and perceived trust have a significant relationship with the intention to use Go-pay among university students in Indonesia.The perceived usefulness,perceived ease of use and perceived trust have a strong positive influence on the intention to use Go-pay among university students in Indonesia.However,compare to the other 3 variables,the strength of the effect of social influence to the intention to use Go-pay is rather lower.Taking everything into consideration,it supports most of the theory and model used in this study.With the encouragement of Government through the development of the project,the market for mobile wallet in Indonesia is lucrative and hence many merchants are competing to develop mobile wallet.Thus,it is important for these merchants including Go-jek to study and understand factors affecting the intention behaviour of the potential users and current users,so that companies are able to develop a proper marketing strategy and innovation that best suited the target market.