WHAT DRIVES INDONESIAN TRAVELLERS TO GO CASHLESS? INVESTIGATING MOBILE PAYMENT ADOPTION THROUGH THE EXTENDED UTAUT MODEL

• Published in: Journal of Applied Structural Equation Modelling Vol. 9; no. 1; pp. 1 - 27
• Main Authors: Putu Gde Arie Yudhistira, Natasya Octaviani
• Format: Journal Article
• Language: English
• Published: Sarawak Research Society (SRS) 2025
• Subjects: m-payment; perceived enjoyment; perceived trust; promotional activities; utaut
• ISSN: 2590-4221; 2590-4221
• DOI: 10.47263/JASEM.9(1)03

This study examines the factors influencing Indonesian travellers’ behavioural intentions and use behaviours of Quick Response Code Indonesian Standard (QRIS), a popular QR-code mobile payment (M-Payment) system. Criterion-based purposive sampling was utilised to ensure data relevance. Partial Least Squares Structural Equation Modeling (PLS-SEM) using SmartPLS 4 analysed data from 410 Indonesian travellers. Additionally, a multigroup analysis (MGA) examined differences between younger and older travellers. Results show that behavioural intention is strongly influenced by perceived enjoyment, promotional activities, and performance expectancy, which in turn predicts use behaviour. Although perceived trust does not moderate the intention–use behaviour link, perceived enjoyment mediates the relationship between performance expectancy, effort expectancy, and social influence on behavioural intention. MGA results reveal that promotional activities have a significantly stronger impact on younger travellers. Findings highlight the importance of optimising QRIS’s efficiency and user experience while leveraging promotional strategies to drive adoption. This is the first study to examine QRIS adoption among Indonesian travellers and provides new insights into M-Payment adoption in tourism by integrating promotional activities, perceived enjoyment, and perceived trust into the UTAUT model. Policymakers should also expand QRIS’s cross-border usability to facilitate international transactions for Indonesian travellers.