Behavior in Financial Technology: Study of Intention to Use of Mobile Payment

Research on mobile payments continues to increase, considering the positive impact on the issue of sustainability of financial technology. This research aims to examine attitudes toward using mobile payments through support from perceived compatibility, perceived benefits, and social influence. The research was conducted quantitatively with a survey of 331 respondents. The data from respondents was processed using SmartPLS through two tests, namely the PLS Algorithm and Bootstrapping Process. The research analysis is presented in line with the results of the hypothesis test. In the study, it is known that perceived compatibility and perceived benefits have an important role in supporting the attitude toward using mobile payments. The compatibility of smartphones and applications is the main point that has a positive impact on the use of mobile payments. Other findings explain that social influence does not have a significant impact on attitude to use, allegedly because users pay more attention to mobile payment compatibility. The research findings are important information for service providers, which need to be studied in more depth on the level of compatibility and benefits of mobile payment services. This is an effort to support the sustainable use of mobile payment services.