Model Penerimaan Teknologi (TAM) dalam Adopsi Pembayaran Digital: Kajian Sistematik dan Sintesis Konseptual
Keywords:
Technology Acceptance Model (TAM), Digital Payments, PRISMA 2020, Trust, Security
Abstract
The transformation of the financial system to digital payments has encouraged changes in the transaction patterns of Indonesian people, but the acceptance rate among informal MSMEs is still low. This study aims to analyze the factors influencing the adoption of digital payments using the Technology Acceptance Model (TAM) framework. The method used is Systematic Literature Review (SLR) which follows the PRISMA 2020 guidelines, with article searches on the Scopus and Semantic Scholar databases for the period 20132025. Of the 200 articles identified, 30 articles met the inclusion criteria after going through the identification, screening, eligibility, and inclusion stages. The results of the synthesis showed that the two main constructs of TAM, namely Perceived Usefulness (PU) and Perceived Ease of Use (PEOU), were the most dominant predictors of adoption intention (90% of studies). The most influential external variables are Perceived Security, Trust, and Social Influence, which are consistently additional determinants in the context of digital payments. These findings confirm that the acceptance of digital payments is influenced by perceptions of value, convenience, trust, and social support. Theoretically, this study strengthens and expands the TAM model by including the trust and social dimensions. Further research is recommended to empirically test this synthesis model in informal MSMEs in Indonesia.
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References
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Wiradimaja, M. F. & Rikumahu, B. (2019). The effect of risk factors and trust factors on adoption of electronic wallet using TAM models (case study: e-wallet OVO in Bandung). e-Proceeding of Management, 6*(2), 2457-2465.
Ganie, K., Mohamed, N. N., Gadiman, N. S., & Ibrahim, K. (2025). Determinants Influencing the Intention to Use and Actual Use of Quick Response (QR) Payments in Sarawak. Business and Economic Research, 15(1), 119. https://doi.org/10.5296/ber.v15i1.22461
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Mahardiansyah, M. S., Kusuma Negara, I. M., & Dewi, L. G. L. K. (2024). Pengaruh lifestyle dan Technology Acceptance Model terhadap wisatawan pengguna Traveloka PayLater. Jurnal IPTA (Industri Perjalanan Wisata), 12(1), 134–142. https://doi.org/10.24843/IPTA.2024.v12.i01.p17
Najib, M., & Fahma, F. (2020). Investigating the Adoption of Digital Payment System through an Extended Technology Acceptance Model: an Insight from the Indonesian Small and Medium Enterprises. 10(4).
Nandru, P., & Senthilkumar, S. A. (2024). Exploring the Factors Affecting Mobile Payment Adoption Intention Among Women Street Vendors In India. SDMIMD Journal of Management, 41–52. https://doi.org/10.18311/sdmimd/2024/32806
Nisa, U. K., & Solekah, N. A. (2022). The influence of TAM, social influence, security relationship toward intention to use e-wallet through attitude and trust. IQTISHODUNA, 18(1), 35-50. https://ejournal.uin-malang.ac.id/index.php/ekonomi/article/view/12916
Nisa, K., Budiman Abdulah, Maryani, A., & R. Madhakomala. (2025). QRIS and Education : What Drives Students’ Continuance Intention to Use It? Agregat: Jurnal Ekonomi Dan Bisnis, 9(1), 106–119. https://doi.org/10.22236/agregat_vol9.i1/17734
Nugrah Leksono Putri Handayani, & Poppy Fitrijanti Soeparan. (2025). Peran QRIS sebagai Pendorong Financial Technology (Fintech) dalam Meningkatkan Inklusi Keuangan. MENAWAN : Jurnal Riset Dan Publikasi Ilmu Ekonomi, 3(3), 158–164. https://doi.org/10.61132/menawan.v3i3.1805
Patnaik, A., Kudal, P., Dawar, S., Inamdar, V., & Dawar, P. (2023). Exploring User Acceptance of Digital Payments in India: An Empirical Study Using an Extended Technology Acceptance Model in the Fintech Landscape. International Journal of Sustainable Development and Planning, 18(8), 2587–2597. https://doi.org/10.18280/ijsdp.180831
Prasetyo, Y. T., Susanto, K. C., Chuang, K. H., Yin, R. T., Chen, J. W., Zhang, Y. X., Benito, O. P., Belmonte, Z. J. A., Cahigas, M. M. L., Nadlifatin, R., & Gumasing, M. J. J. (2025). Factors influencing the perceived usability of line pay: An extended technology acceptance model approach. Acta Psychologica, 255. https://doi.org/10.1016/j.actpsy.2025.104924
Saputri, N. D. M., Fida Muthia, F. M., & Melisa Ariani Putri. (2025). Digitalization of Payments in Urban Society Indonesia. JBTI : Jurnal Bisnis : Teori Dan Implementasi, 16(2), press. https://doi.org/10.18196/jbti.v16i2.27558
Sari, A. M., Oktovani, T., & Kharismatyawati, W. (2022). Assessing the Acceptance and Business Models Development Strategy of Go-Pay Indonesia Using TAM and BMC Approach. South Asian Journal of Social Studies and Economics, 89–113. https://doi.org/10.9734/sajsse/2022/v16i4625
Septari, I., & Wahyunadi, I. (2024). Effectiveness of QRIS on motor vehicle tax payment compliance through the Technology Acceptance Model (TAM) in West Nusa Tenggara. International Journal of Multidisciplinary Research and Analysis, 7(1), 85–93. https://doi.org/10.47191/ijmra/v7-i01-12
Shofi Luthfiani, I., & Abduh, M. (2024). The Intention to use Digital Payment in the UMKM Sector in Manado City. Journal of World Science, 3(1), 133–141. https://doi.org/10.58344/jws.v3i1.553
Thi Vinh Ha, N., Thu Anh, N., Ngoc Diem Quynh, N., Thi Nguyen Thao, P., & Viet Tung, N. (2023). Determinants of students’ intention to use e-wallet in Hanoi-A PLS-SEM analysis. VNU Journal of Economics and Business, 3(2), 91–101. https://doi.org/10.57110/vnujeb.v2i6.176
Tian, Y., Chan, T. J., Suki, N. M., & Kasim, M. A. (2023). Moderating Role of Perceived Trust and Perceived Service Quality on Consumers’ Use Behavior of Alipay e-wallet System: The Perspectives of Technology Acceptance Model and Theory of Planned Behavior. Human Behavior and Emerging Technologies, 2023. https://doi.org/10.1155/2023/5276406
Trojanowski, M., & Ku?ak, J. (2019). Understanding mobile purchase intentions in Poland: Extension of the technology acceptance model. Advances in Intelligent Systems and Computing, 852, 334–344. https://doi.org/10.1007/978-3-319-99981-4_31
Utama, S., Sofiana, R., & Suwarsi, A. A. (2024). Cashless in Yogyakarta: A Study on the Intention of Cashless QRIS Mosque Donation. SHS Web of Conferences, 201, 01006. https://doi.org/10.1051/shsconf/202420101006
YANG, Q., & SHI, F. (2024). A Technology Acceptance Model (TAM) towards use Intention of E-wallet Among Youth in Malaysia. UCJC Business and Society Review, 21(80), 18–47. https://doi.org/10.3232/UBR.2024.V21.N1.01
Zhang, Q., Khan, S., Cao, M., & Khan, S. U. (2023). Factors Determining Consumer Acceptance of NFC Mobile Payment: An Extended Mobile Technology Acceptance Model. Sustainability (Switzerland), 15(4). https://doi.org/10.3390/su15043664
Asmara, M. A., Nurlia, Sari, D. F., Asrijal, A., & Muafiqie, H. (2023). Analysis of Supporting Factors for Payment Technology Utilization in MSMEs using Technology Acceptance Model (TAM) Method. Journal of Applied Science, Engineering, Technology, and Education, 5(2), 256–264. https://doi.org/10.35877/454RI.asci2396
Candy, C., Shellyna, S., Justyanita, J., & Kristiani, K. (2022). E-wallet Adoption: Technology Acceptance Model and COVID-19. Jurnal Inovasi Ekonomi, 7(01), 91–100. https://doi.org/10.22219/jiko.v7i01.20385
Chen, A., Ather, I., McCalman, D., & Suter, T. A. (2025). Adoption and usage of e-payment methods in Brazil. Journal of Marketing Development and Competitiveness, 19(2), …-…. https://doi.org/10.33423/jmdc.v19i2.7762.
Constantin, N., Nelwin, R., & Christanto, A. (2024). Artificial intelligence: Communication, technology, and society (a systematic literature review). Jurnal Indonesia Sosial Teknologi, 5(10), 4514–4525.
Wiradimaja, M. F. & Rikumahu, B. (2019). The effect of risk factors and trust factors on adoption of electronic wallet using TAM models (case study: e-wallet OVO in Bandung). e-Proceeding of Management, 6*(2), 2457-2465.
Ganie, K., Mohamed, N. N., Gadiman, N. S., & Ibrahim, K. (2025). Determinants Influencing the Intention to Use and Actual Use of Quick Response (QR) Payments in Sarawak. Business and Economic Research, 15(1), 119. https://doi.org/10.5296/ber.v15i1.22461
Gunawan, A., Fatikasari, A. F., & Putri, S. A. (2023). The Effect of Using Cashless (QRIS) on Daily Payment Transactions Using the Technology Acceptance Model. Procedia Computer Science, 227, 548–556. https://doi.org/10.1016/j.procs.2023.10.557
Harahap, H. F., & Chania, M. F. (2025). Generation Y and Digital Transformation: Determinants of Intention to Adopt E-Payment. Journal Of Management Analytical and Solution (JoMAS), 5(1), 8–18. https://doi.org/10.32734/jomas.v5i1.19535
Hartanti, L. P. S. (2021). Pendekatan Technology Acceptance Model Dalam Analisis Penerimaan Teknologi (Studi Kasus Pada Pengguna Mobile Payment). Buletin Profesi Insinyur, 4(1), 1–6. https://doi.org/10.20527/bpi.v4i1.91
Jupit, A. J. R., Zamlan, N. A. A., & Nordin, A. I. (2025). Evaluating the Sabah Pay Mobile Application (e-Wallet) using the Technology Acceptance Model. Journal of Advanced Research in Applied Sciences and Engineering Technology, 53(1), 86–101. https://doi.org/10.37934/araset.53.1.86101
Kala’Lembang, A., Sudarmiatin, Soetjipto, B. E., & Winarno, A. (2024). Understanding the adoption of digital payment in Indonesian SMEs using modified technology acceptance model. Journal of Social Economics Research, 11(2), 213–227. https://doi.org/10.18488/35.v11i2.3672
Lew, S., Tan, G. W. H., Loh, X. M., Hew, J. J., & Ooi, K. B. (2020). The disruptive mobile wallet in the hospitality industry: An extended mobile technology acceptance model. Technology in Society, 63. https://doi.org/10.1016/j.techsoc.2020.101430
Li, J., Wang, J., Wangh, S., & Zhou, Y. (2019). Mobile Payment with Alipay: An Application of Extended Technology Acceptance Model. IEEE Access, 7, 50380–50387. https://doi.org/10.1109/ACCESS.2019.2902905
Mahardiansyah, M. S., Kusuma Negara, I. M., & Dewi, L. G. L. K. (2024). Pengaruh lifestyle dan Technology Acceptance Model terhadap wisatawan pengguna Traveloka PayLater. Jurnal IPTA (Industri Perjalanan Wisata), 12(1), 134–142. https://doi.org/10.24843/IPTA.2024.v12.i01.p17
Najib, M., & Fahma, F. (2020). Investigating the Adoption of Digital Payment System through an Extended Technology Acceptance Model: an Insight from the Indonesian Small and Medium Enterprises. 10(4).
Nandru, P., & Senthilkumar, S. A. (2024). Exploring the Factors Affecting Mobile Payment Adoption Intention Among Women Street Vendors In India. SDMIMD Journal of Management, 41–52. https://doi.org/10.18311/sdmimd/2024/32806
Nisa, U. K., & Solekah, N. A. (2022). The influence of TAM, social influence, security relationship toward intention to use e-wallet through attitude and trust. IQTISHODUNA, 18(1), 35-50. https://ejournal.uin-malang.ac.id/index.php/ekonomi/article/view/12916
Nisa, K., Budiman Abdulah, Maryani, A., & R. Madhakomala. (2025). QRIS and Education : What Drives Students’ Continuance Intention to Use It? Agregat: Jurnal Ekonomi Dan Bisnis, 9(1), 106–119. https://doi.org/10.22236/agregat_vol9.i1/17734
Nugrah Leksono Putri Handayani, & Poppy Fitrijanti Soeparan. (2025). Peran QRIS sebagai Pendorong Financial Technology (Fintech) dalam Meningkatkan Inklusi Keuangan. MENAWAN : Jurnal Riset Dan Publikasi Ilmu Ekonomi, 3(3), 158–164. https://doi.org/10.61132/menawan.v3i3.1805
Patnaik, A., Kudal, P., Dawar, S., Inamdar, V., & Dawar, P. (2023). Exploring User Acceptance of Digital Payments in India: An Empirical Study Using an Extended Technology Acceptance Model in the Fintech Landscape. International Journal of Sustainable Development and Planning, 18(8), 2587–2597. https://doi.org/10.18280/ijsdp.180831
Prasetyo, Y. T., Susanto, K. C., Chuang, K. H., Yin, R. T., Chen, J. W., Zhang, Y. X., Benito, O. P., Belmonte, Z. J. A., Cahigas, M. M. L., Nadlifatin, R., & Gumasing, M. J. J. (2025). Factors influencing the perceived usability of line pay: An extended technology acceptance model approach. Acta Psychologica, 255. https://doi.org/10.1016/j.actpsy.2025.104924
Saputri, N. D. M., Fida Muthia, F. M., & Melisa Ariani Putri. (2025). Digitalization of Payments in Urban Society Indonesia. JBTI : Jurnal Bisnis : Teori Dan Implementasi, 16(2), press. https://doi.org/10.18196/jbti.v16i2.27558
Sari, A. M., Oktovani, T., & Kharismatyawati, W. (2022). Assessing the Acceptance and Business Models Development Strategy of Go-Pay Indonesia Using TAM and BMC Approach. South Asian Journal of Social Studies and Economics, 89–113. https://doi.org/10.9734/sajsse/2022/v16i4625
Septari, I., & Wahyunadi, I. (2024). Effectiveness of QRIS on motor vehicle tax payment compliance through the Technology Acceptance Model (TAM) in West Nusa Tenggara. International Journal of Multidisciplinary Research and Analysis, 7(1), 85–93. https://doi.org/10.47191/ijmra/v7-i01-12
Shofi Luthfiani, I., & Abduh, M. (2024). The Intention to use Digital Payment in the UMKM Sector in Manado City. Journal of World Science, 3(1), 133–141. https://doi.org/10.58344/jws.v3i1.553
Thi Vinh Ha, N., Thu Anh, N., Ngoc Diem Quynh, N., Thi Nguyen Thao, P., & Viet Tung, N. (2023). Determinants of students’ intention to use e-wallet in Hanoi-A PLS-SEM analysis. VNU Journal of Economics and Business, 3(2), 91–101. https://doi.org/10.57110/vnujeb.v2i6.176
Tian, Y., Chan, T. J., Suki, N. M., & Kasim, M. A. (2023). Moderating Role of Perceived Trust and Perceived Service Quality on Consumers’ Use Behavior of Alipay e-wallet System: The Perspectives of Technology Acceptance Model and Theory of Planned Behavior. Human Behavior and Emerging Technologies, 2023. https://doi.org/10.1155/2023/5276406
Trojanowski, M., & Ku?ak, J. (2019). Understanding mobile purchase intentions in Poland: Extension of the technology acceptance model. Advances in Intelligent Systems and Computing, 852, 334–344. https://doi.org/10.1007/978-3-319-99981-4_31
Utama, S., Sofiana, R., & Suwarsi, A. A. (2024). Cashless in Yogyakarta: A Study on the Intention of Cashless QRIS Mosque Donation. SHS Web of Conferences, 201, 01006. https://doi.org/10.1051/shsconf/202420101006
YANG, Q., & SHI, F. (2024). A Technology Acceptance Model (TAM) towards use Intention of E-wallet Among Youth in Malaysia. UCJC Business and Society Review, 21(80), 18–47. https://doi.org/10.3232/UBR.2024.V21.N1.01
Zhang, Q., Khan, S., Cao, M., & Khan, S. U. (2023). Factors Determining Consumer Acceptance of NFC Mobile Payment: An Extended Mobile Technology Acceptance Model. Sustainability (Switzerland), 15(4). https://doi.org/10.3390/su15043664
Published
2025-11-29
Section
Original Articles
Copyright (c) 2025 Meidina Aqsari Andas, Tiffani Yulita, Yenita Lisna, Irwansyah Irwansyah
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