Perceived Usefulness, Ease Of Use, And Social Influence In Shaping Digital Payment Behavior In Balikpapan
Keywords:
digital payment, perceived usefulness, perceived ease of use, social influence, user behavior, Technology Acceptance Model
Abstract
The rapid development of digital technology has transformed payment systems and encouraged society to shift from conventional cash transactions toward digital payment methods. However, the increasing volume of digital payment transactions does not necessarily explain the factors that drive individuals to consistently use digital payment services. This study aims to examine the effect of perceived usefulness, perceived ease of use, and social influence on digital payment user behavior in Balikpapan City. The study employs a quantitative approach using an explanatory research design. Data were collected through questionnaires from digital payment users in Balikpapan City and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results indicate that perceived usefulness, perceived ease of use, and social influence have positive and significant effects on digital payment user behavior. The findings demonstrate that users are more likely to use digital payment when they perceive the system as beneficial, easy to operate, and supported by their social environment. The coefficient of determination indicates that the three independent variables explain 53.0% of the variation in digital payment user behavior, while the remaining 47.0% is explained by other factors outside the research model. This study contributes to the literature on technology acceptance by providing empirical evidence regarding the determinants of actual digital payment behavior in the context of Balikpapan City.
References
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Rohman, A. N., Mukhsin, M., & Ganika, G. (2023). Penggunaan Technology Acceptance Model dalam Analisis Actual Use Penggunaan E-Commerce Tokopedia Indonesia. Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital.
Sholihah, E., & Nurhapsari, R. (2023). Percepatan Implementasi Digital Payment pada UMKM: Intensi Pengguna QRIS Berdasarkan Technology Acceptance Model. Nominal: Barometer Riset Akuntansi dan Manajemen, 12(1), 1–12. https://doi.org/10.21831/nominal.v12i1.52480
Siswoyo, A., & Irianto, B. S. (2023). Analisis Technology Acceptance Model (TAM) terhadap Pengguna Aplikasi Mobile Banking. Owner: Riset & Jurnal Akuntansi, 7, 1196–1205. https://doi.org/10.33395/owner.v7i2.1440
Sunarya, I. M. (2022). Pengaruh Faktor Persepsi terhadap Minat Penggunaan Layanan Dompet Digital (E-Wallet) melalui Pendekatan Teori Technology Acceptance Model (TAM). Jurnal Ilmiah Akuntansi dan Keuangan, 5(3), 1414–1422.
Talitha, A. G., Fitriati, A., Pratama, B. C., & Azizah, S. N. (2026). Adopsi Pembayaran Digital bagi Generasi Z: Peran Usefulness, Ease of Use, Risk dan Trust. 6(6), 3208–3226.
Venkatesh, V., & Davis, F. D. (2000). Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2), 186–204. https://doi.org/10.1287/mnsc.46.2.186.11926
Venkatesh, V., & Bala, H. (2008). Technology Acceptance Model 3 and a Research Agenda on Interventions. Decision Sciences, 39.
Ananda, S., & Lestari, U. D. (2025). Pengaruh Perceived Risk, Perceived Usefulness, Perceived Ease of Use, and Social Influence terhadap Intention to Use E-Wallet. J-CEKI: Jurnal Cendekia Ilmiah, 5(1), 731–745.
Aulifin, S. A., & Dewi, A. S. (2022). Analisis Penerimaan Pengguna ShopeePay sebagai Sistem Pembayaran Elektronik Menggunakan Technology Acceptance Model (TAM) di Wilayah Kota Bogor. JIMEA: Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi), 6(1), 138–152.
Bank Indonesia. (2024). Statistik Sistem Pembayaran dan Infrastruktur Pasar Keuangan (SPIP).
Bank Indonesia. (2025, May). BI Balikpapan Catat Transaksi QRIS Capai 10,4 Juta Kali.
Bappenas. (2026). Perkembangan Ekonomi Indonesia dan Dunia.
Biduri, S., Hariyanto, W., Loekitasari, S., & Irma Suryani, A. (2021). Apakah Pendekatan Technology Acceptance Model (TAM) Berpengaruh terhadap Intention to Use E-Money? Jurnal Akuntansi Integratif, 7(1), 1–12.
Budiman, J., Kesumahati, E., Ladi, B.-S., Gajah Mada, J., Indah, T., Sekupang, K., & Batam, K. (2025). Mediating Role of Trust in TAM and Direct UTAUT Effects on Digital Payment Intention.
Calderon, A. A. (2025). Digital Payments and Their Role in Enhancing Financial Transactions Efficiency. International Journal of Economics and Financial Issues, 15(1), 182–189. https://doi.org/10.32479/ijefi.17555
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340.
Delviana, R., Ishak, M., Viola, R., Dhini, R., & Yosia, E. (2025). Digitalisasi Sistem Pembayaran di Indonesia. Jurnal Ekonomi Terapan Terbaru, 6(1), 40–49.
Desvronita. (2021). Faktor-Faktor yang Mempengaruhi Minat Menggunakan Sistem Pembayaran E-Wallet Menggunakan Technology Acceptance Model. Jurnal AKMENIKA, 18(2).
Fadhilah. (2025). Digitalisasi Sistem Pembayaran dan Dampaknya terhadap Inklusi Keuangan di Indonesia. JUKONI: Jurnal Ilmu Ekonomi dan Bisnis, 2(2), 13–18.
Fishbein, M., & Ajzen, I. (1975). Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research.
Gaur, P., & Saxena, A. (2025). Systematic Literature Review and Bibliometric Analysis on Adoption of Digital Payments. Jurnal Ilmiah Ilmu Terapan Universitas Jambi, 9(2), 737–764. https://doi.org/10.22437/jiituj.v9i2.40667
Hanafi, T., Noviarini, D., & Fadlullah, F. (2026). Pengaruh Perceived Usefulness, Perceived Ease of Use, dan Social Influence terhadap Continuance Intention Aplikasi LinkAja. Jurnal Ilmiah Multidisiplin, 2(2), 2885–2901.
Indriyani, R., Widyastuti, U., & Yusuf, M. (2024). Analisis Penggunaan Digital Payment: Modifikasi Teori Technology Acceptance Model. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 9. https://doi.org/10.30651/jms.v9i3.22988
Kartika, A., Nurbaiti, & Aslami, N. (2023). Pengaruh Gerakan Nasional Non Tunai, Social Influence, dan Persepsi Kemudahan Penggunaan terhadap Minat Menggunakan Digital Payment dalam Konsep. Jurnal Manajemen Akuntansi (JUMSI), 3(1), 161–174.
Khando, K., Islam, M. S., & Gao, S. (2023). The Emerging Technologies of Digital Payments and Associated Challenges: A Systematic Literature Review. Future Internet, 15(1). https://doi.org/10.3390/fi15010021
Noor, W. T., Munawwarah, W. N., & Handayani, F. Y. (2026). Implementasi Digitalisasi Pembayaran Retribusi Pelayanan Pasar melalui E-Retribusi pada Pasar Klandasan di Kota Balikpapan. Jurnal Cendekia Ilmiah, 5(2).
Permana, G. P. L., Rini, H. P. S., & Paramartha, I. G. N. D. (2021). Fintech dari Perspektif Perilaku User dalam Penggunaan E-Wallet dengan Menggunakan Technology Acceptance Model (TAM). Widya Akuntansi dan Keuangan, 50–70.
Prayoga, M. S. D., Syifa Aristawati, Agustin, P. N., Agustin, F. D., & Asitah, N. (2025). Transformasi Pembayaran Digital di Era Ekonomi Digital: Analisis Efisiensi dan Dampaknya terhadap UMKM. Nusantara Entrepreneurship and Management Review, 3(1), 29–38. https://doi.org/10.55732/nemr.v3i1.1563
Purwanto, E., Dahlan, K. S. S., Bachtiar, D., Septiani, K. M., Ridhwan, N., Susanto, D. A., Marey, D. R. E., & Deviny, J. (2020). Technology Adoption: A Conceptual Adoption.
Rachmawati, W., & Ni Made Adi, E. (2025). The Influence of Perceived Accounting Information System Quality, Ease of Use, and Trust on the Decision to Use E-Wallets in Financial Transactions. https://doi.org/10.61132/digitalinnovation.v2i3.432
Rahayu, R. (2022). Factors That Influence the Behavioural Intention to Use E-Payments in Indonesia. Ekonomis: Journal of Economics and Business, 6(1), 116. https://doi.org/10.33087/ekonomis.v6i1.504
Rohman, A. N., Mukhsin, M., & Ganika, G. (2023). Penggunaan Technology Acceptance Model dalam Analisis Actual Use Penggunaan E-Commerce Tokopedia Indonesia. Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital.
Sholihah, E., & Nurhapsari, R. (2023). Percepatan Implementasi Digital Payment pada UMKM: Intensi Pengguna QRIS Berdasarkan Technology Acceptance Model. Nominal: Barometer Riset Akuntansi dan Manajemen, 12(1), 1–12. https://doi.org/10.21831/nominal.v12i1.52480
Siswoyo, A., & Irianto, B. S. (2023). Analisis Technology Acceptance Model (TAM) terhadap Pengguna Aplikasi Mobile Banking. Owner: Riset & Jurnal Akuntansi, 7, 1196–1205. https://doi.org/10.33395/owner.v7i2.1440
Sunarya, I. M. (2022). Pengaruh Faktor Persepsi terhadap Minat Penggunaan Layanan Dompet Digital (E-Wallet) melalui Pendekatan Teori Technology Acceptance Model (TAM). Jurnal Ilmiah Akuntansi dan Keuangan, 5(3), 1414–1422.
Talitha, A. G., Fitriati, A., Pratama, B. C., & Azizah, S. N. (2026). Adopsi Pembayaran Digital bagi Generasi Z: Peran Usefulness, Ease of Use, Risk dan Trust. 6(6), 3208–3226.
Venkatesh, V., & Davis, F. D. (2000). Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2), 186–204. https://doi.org/10.1287/mnsc.46.2.186.11926
Venkatesh, V., & Bala, H. (2008). Technology Acceptance Model 3 and a Research Agenda on Interventions. Decision Sciences, 39.
Published
2026-08-17
How to Cite
Shelina Rastri Aprilyvianti, Yudea, Y., & Butet Wulan Trifina. (2026). Perceived Usefulness, Ease Of Use, And Social Influence In Shaping Digital Payment Behavior In Balikpapan. International Journal of Economics, Business and Innovation Research, 5(05), 1473-1497. https://doi.org/10.63922/ijebir.v5i05.6052
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