Exploring the Driving Factors behind Mobile Payment Adoption from the MSMEs’ Perspective

Penulis

  • Rahma Ulfa Maghfiroh Sunan Ampel State Islamic University
  • Moh. Ilham Sunan Ampel State Islamic University

DOI:

https://doi.org/10.30659/ijibe.10.2.%25p

Kata Kunci:

Mobile payment adoption, MSMEs, driving factors, digital technology

Abstrak

This study aims to explore the factors driving mobile payment adoption from the perspective of Micro, Small, and Medium Enterprises (MSMEs). With the advancement of digital technology, mobile payments have become a crucial innovation, expected to enhance the operational efficiency and competitiveness of MSMEs. This research employs a quantitative survey administered to MSMEs in Surabaya. The study measures the influence of performance expectancy, effort expectancy, social influence, trust, and facilitating conditions on behavioral intention and mobile payment adoption. Cluster sampling was used, covering 31 districts in Surabaya, yielding a total of 269 MSMEs. The results show that performance expectancy has a significant positive effect on behavioral intention, effort expectancy does not affect behavioral intention, social influence has a significant positive effect on behavioral intention, trust has a significant positive effect on behavioral intention, facilitating conditions have a significant positive effect on mobile payment adoption, and behavioral intention has a significant positive effect on mobile payment adoption. This research provides valuable insights for stakeholders, particularly in designing more effective strategies to increase mobile payment adoption among MSMEs.

Referensi

Abrahão, R. de S., Moriguchi, S. N., & Andrade, D. F. (2016). Intention of adoption of mobile payment: An analysis in the light of the Unified Theory of Acceptance and Use of Technology (UTAUT). RAI Revista de Administração e Inovação, 13(3), 221–230. https://doi.org/10.1016/j.rai.2016.06.003

Al-Saedi, M., Alghamdi, R., & Malik, M. (2019). Factors influencing the adoption of mobile payment systems: A user perspective. Journal of Financial Innovation, 5(2), 112-.

Aprisca, D. (2023). The influence of technological, organizational, and environmental factors on mobile payment adoption among MSMEs in Surakarta City. Jurnal Ilmiah Teknologi Informasi, 15(1), 45–54. https://journal.unimma.ac.id/index.php/ITEJ/article/view/10657

AAuda, J. (2019). Maqasid shariah and systems theory approach in Islamic law. Jurnal Kajian Hukum Islam, 5(1), 1–18. https://journal.unsuri.ac.id/index.php/jkhi/article/view/4

Darussalam, A. (2024). Usul fiqh and maqasid shariah theory approach in Islamic legal determination. Jurnal Darussalam, 9(2), 45–56.

Deasy Safitri, Sofyan, J. F., Negoro, D. A., & Kusmayadi, A. (2024). Analisis Behavioral Intention Mobile Banking dengan Model UTAUT2. Innovative: Journal Of Social Science Research, 4(3), 571–587. https://doi.org/10.31004/innovative.v4i3.10417

Esawe, A. T. (2022). Exploring retailers’ behavioural intentions towards using m-payment: extending UTAUT with perceived risk and trust. Paradigm: A Management Research Journal, 26(1), 8–28. https://doi.org/10.1177/09718907221091717

Gong, X., Janssen, M., & van den Heuvel, W. (2016). Trust as a factor influencing fintech adoption. Electronic Markets, 26(1), 35-.

Gupta, P., Singh, R., & Kumar, A. (n.d.). Social influence and facilitating conditions in fintech adoption. Journal of Financial Services Marketing, 28(4), 345.

Hastuti, K., & Ghoniyah, L. (2023). The influence of subjective norms and planned behavior on digital payment adoption among MSMEs. Jurnal Perilaku Konsumen dan Pemasaran, 7(1), 30–44.

Hu, T. F., Guo, R.-S., & Chen, C. (2022). Understanding mobile payment adoption using the integrated UTAUT and MOA models. PICMET 2022 Proceedings. IEEE. https://doi.org/10.23919/PICMET53225.2022.9882889

Ibn Ashur, M. A. (2024). Maqasidi tafsir: Definition, historical development, and application. Jurnal Agama Islam, 12(1), 10–25. https://jurnal.ucy.ac.id/index.php/agama_islam/article/view/2596

Ibrahim, M., Hinson, R. E., & Stephen, A. (2022). Exploring Consumers’ Intention to Adopt Mobile Payment Systems in Ghana. International Journal of E-Services and Mobile Applications, 14(1). https://doi.org/10.4018/IJESMA.285547

Bank Indonesia. (2023). Statistics of non-cash transactions in Indonesia: Q2 2023.

Limantara, L. R., Sutanto, T., & Zainuddin, Z. (2018). Adoption of mobile payment services in Indonesia: Perceived usability and trust. Jurnal Teknologi Informasi Dan Komunikasi, 9(1), 27–3.

Limantara, N., Jingga, F., & Surja, S. (2018). Factors Influencing Mobile Payment Adoption in Indonesia. Proceedings of 2018 International Conference on Information Management and Technology, ICIMTech 2018, 373–377. https://doi.org/10.1109/ICIMTech.2018.8528143

Lontchi, R. B., Nfor, N., & Kamsu-Foguem, B. (2023). Mobile payment adoption and MSME performance: A systematic review. Journal of Small Business and Enterprise Development, 30(3), 449.

Mondego, D., & Gide, E. (2018). the Effect of Trust on Mobile Payment Adoption. International Journal of Arts & Sciences, 11(01), 375–390.

Nandru, V., Domena, G., & Yeboah, A. (2023). Drivers of mobile payment adoption among MSMEs: UTAUT perspective. Journal of Technology Management, 14(2), 210.

Nguyen, T., Fauzan, R., & Setyawan, A. (2022). Determinants of digital payment technology adoption based on the TOE model among MSMEs in East Java. Jurnal Sistem Informasi dan Teknologi, 10(2), 120–134.

Nuraini, R. (2023). Implementation of Islamic wealth management theory in quantitative studies of Gen Z sharia financial management capability. Jurnal Finansha, 13(3), 115–130.

Pangestu, M. G. (2022). Behavioral intention to use QRIS digital payment based on the UTAUT model: Evidence from MSMEs in Jambi City. Jurnal Ilmiah Manajemen dan Kewirausahaan (JUMANAGE), 1(1), 662–676. https://doi.org/10.33998/jumanage.2022.1.1.23

Patil, P. P., Rana, N. P., Dwivedi, Y. K., & Abu-Hamour, H. M. J. (2018). The role of trust and risk in mobile payments adoption: A meta-analytic review. In T. M. & S. D. (Eds.), Proceedings of the 22nd Pacific Asia Conference on Information Systems - Opportunities and Challenges for the Digitized Society: Are We Ready?, PACIS 2018. Association for Information Systems.

Ramadhan, A., & Sari, L. (2024). Abu Ubaid’s economic thought and its relevance to Islamic financial policy in Indonesia. Jurnal MUMTAZ, 7(1), 15–33.

Restriana, N. (2022). The role of organizational readiness and innovation orientation in digital payment technology adoption among MSMEs. Jurnal Manajemen Teknologi, 13(3), 95–110.

Santoso, B. (2023). Fintech and Islamic finance: Theory and practice. Jurnal Finansha, 12(2), 50–65. https://journal.uinsgd.ac.id/index.php/finansha/article/view/29054

Sodal, A., Nurhadi, D., & Wahyuni, S. (2024). Optimizing mosque bazaars as catalysts for MSME empowerment: A case study. Jurnal Ekonomi Sosial dan Pemberdayaan Masyarakat, 10(4), 200–215. https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/1912

Viony, R., & Widodo, A. (2024). Mobile Payment Service Adoption: Understanding OVO E-Wallet Customers among GEN Y and GEN Z in Bandung, West Java. Journal of Indonesia Marketing Association (IMA), 2(2), 103–113. https://doi.org/10.69477/ima.v2i2.30

Wayen, F., & Hartono, R. (2021). Factors influencing mobile payment usage intention among MSMEs based on the TAM model. Jurnal Sistem Informasi, 9(4), 99–111.

Winarni, E. W. (2021). Theory and practice of quantitative, qualitative, action research, and R&D research. Bumi Aksara.

Unduhan

Diterbitkan

2025-12-30

Terbitan

Vol 10 No 2 (2025): September 2025

Bagian

Articles

Lisensi

License and Copyright Agreement
In submitting the manuscript to the journal, the authors certify that:
  • They are authorized by their co-authors to enter into these arrangements.
  • The work described has not been formally published before, except in the form of an abstract or as part of a published lecture, review, thesis, or overlay journal.
  • That it is not under consideration for publication elsewhere,
  • That its publication has been approved by all the author(s) and by the responsible authorities – tacitly or explicitly – of the institutes where the work has been carried out.
  • They secure the right to reproduce any material that has already been published or copyrighted elsewhere.
  • They agree to the following license and copyright agreement.
Copyright
Authors who publish with IJIBE agree to the following terms:
  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
Licensing for Data Publication
IJIBE uses a variety of waivers and licenses, that are specifically designed for and appropriate for the treatment of data:
Other data publishing licenses may be allowed as exceptions (subject to approval by the editor on a case-by-case basis) and should be justified with a written statement from the author, which will be published with the article.

Open Data and Software Publishing and Sharing
The journal strives to maximize the replicability of the research published in it. Authors are thus required to share all data, code or protocols underlying the research reported in their articles. Exceptions are permitted but have to be justified in a written public statement accompanying the article.
Datasets and software should be deposited and permanently archived inappropriate, trusted, general, or domain-specific repositories (please consult http://service.re3data.org and/or software repositories such as GitHub, GitLab, Bioinformatics.org, or equivalent). The associated persistent identifiers (e.g. DOI, or others) of the dataset(s) must be included in the data or software resources section of the article. Reference(s) to datasets and software should also be included in the reference list of the article with DOIs (where available). Where no domain-specific data repository exists, authors should deposit their datasets in a general repository such as ZENODO, Dryad, Dataverse, or others.
Small data may also be published as data files or packages supplementary to a research article, however, the authors should prefer in all cases a deposition in data repositories.

This work is licensed under a Creative Commons Attribution 4.0 International License.