What Drives Young Indonesian's Intention to Use Mobile Payment? A Case of T-Cash

The aim of this study is to identify important factors that drives young indonesian's indention to use T-Cash, the most popular mobile payment product in Indonesia. Questionnaires were distributed to respondents who had prior experience with T-Cash in October 2016. After data screening process, 171 final responses were collected for data analysis using SmartPLS 3.0. The finding unveiled that Trust, Social Influence, and Personal Innovativeness were the main factors behind the preference. In Contrast, Performance Expectancy, Effort Expectancy, and Price Value were not significant. The model proposed could explained 53% variance of Intention to use. Additional insights were given by performed content analysis to qualitative data. This study contributed into m-payment adoption research areas globally as well as in Indonesia by investigating specific m-payment product and including qualitative study for deeper insight. Further study should compare between two or more m-payment products as well as explore other external variables.