Factors Influencing Malaysian Consumers’ Intention to Use Quick Response (QR) Mobile Payment

Muhammad Haidhar Ibrahim, Siti Rahayu Hussin, Siti Haslina Hussin

Abstract


ABSTRACT

In the past decade, conventional payment methods of using cash is progressively replaced with electronic payments. Recently, QR mobile payment begins to receive more attention from many countries including Malaysia. Nevertheless, QR mobile payment is a relatively green area in which very limited literature exists on this subject matter pertaining to consumer acceptance and characteristics of adopter segments of this technology. Therefore, by applying the Technology Acceptance Model (TAM) as the main theoretical framework, the aim of the present study is to investigate the factors influencing intention to use QR mobile payment in Malaysia. Self-administered questionnaires were distributed which resulted in 485 complete responses. Perceived usefulness, personal innovativeness, perceived ease of use, subjective norm, and perceived security were found to be significant in determining intention to use QR mobile payment among Malaysian consumers.

Keywords: Intention to use; quick response (QR) mobile payment; technology acceptance model (TAM)

ABSTRAK

Pada dekad yang lalu, kaedah pembayaran konvensional yang menggunakan wang tunai secara beransur-ansur digantikan dengan pembayaran elektronik. Baru-baru ini, pembayaran mudah alih ‘Quick Response’ (QR) mula mendapat perhatian lebih banyak dari banyak negara termasuk Malaysia. Walau bagaimanapun, pembayaran mudah alih QR adalah bidang yang masih baharu memandangkan hanya terdapat literature yang terhad berkaitan penerimaan pengguna dan ciri-ciri segmen pengguna teknologi ini. Oleh itu, dengan menggunakan Model Penerimaan Teknologi (TAM) sebagai kerangka teori utama, matlamat kajian ini adalah untuk mengkaji faktor-faktor yang mempengaruhi niat/keinginan untuk menggunakan pembayaran mudah alih QR di Malaysia. Borang soal selidik telah diedar dan dilengkapkan oleh 485 responden. Tanggapan kebergunaan, inovasi diri, tanggapan mudah digunakan, norma subjektif, dan tanggapan keselamatan didapati penting dalam menentukan keinginan untuk menggunakan pembayaran mudah alih QR dalam kalangan pengguna Malaysia.

Kata kunci: Keinginan menggunakan; pembayaran mudah alih ‘Quick Response’ (QR); model penerimaan teknologi


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