A Preliminary Study of Merchants’ Intention to Adopt Online Payment Gateway in Indonesia

Nathalia Devina Widjaja and Ardy Tedjawidjaja

Abstract—The goal of this research is to identify factors that will affect the merchants’ intention to adopt online payment gateway in Indonesia. The research is done quantitatively and the data collection method being used is survey or questionnaire. The research finds out that there are 5 out of 6 factors that will affect the merchants’ intention to adopt online payment gateway in Indonesia. The factors ordered from the most importance are: Performance Expectancy, Social Influence, Facilitating Condition, Effort Expectancy, and Security. However, Costs is rejected from the research findings. Moreover, further research should be conducted in order to examine other factors related with merchants’ intention. It is recommended for online payment gateway providers in Indonesia to attract the merchants by improving the systems, social influence activities, facilitation, and secure environments. Finally, this research has enlightened and enhanced our knowledge of current situation of e-commerce especially online payment gateway in Indonesia.

Index Terms—Online payment gateway, payment system, merchants’ intention, unified theory of acceptance and use of technology.

source: http://www.ijfcc.org/papers/40-T00046.pdf