• Pertiwi Aisyah Dilarbo Departemen of Business Administration Faculty of Administrative Science Brawijaya University
  • Endang Siti Astuti Brawijaya University


Mobile Payment, UTAUT 2, SME


The purpose of this study is to present a conceptual model between Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Behavioral Intention and Actual Usage. Based on theoretical and empirical study about Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Behavioral Intention and Actual Usage, this study explain the constructs and the proposition that are used as a basis in constructing conceptual models. Based on previous studies, the authors develop a proposition where a Mobile Payment service will be more likely to adopt by the Mobile Payment service. Thus, further studies are expected to discuss the variables in this study, as well as develop estimates of other variables that can influence or increase by the variables that have been discussed.


Hussain, M., Mollik, A. T., Johns, R., & Rahman, M. S. (2019). M-payment adoption for bottom of pyramid segment: an empirical investigation. International Journal of Bank Marketing, 37(1), 362–381.

Madan, K., & Yadav, R. (2016). Behavioural intention to adopt mobile wallet: a developing country perspective. Journal of Indian Business Research, 8(3), 227–244.

Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61(2016), 404–414.

Sivathanu, B. (2019). Adoption of digital payment systems in the era of demonetization in India: An empirical study. Journal of Science and Technology Policy Management, 10(1), 143–171.

Slade, E., Williams, M., Dwivedi, Y., & Piercy, N. (2015). Exploring consumer adoption of proximity mobile payments. Journal of Strategic Marketing.

Sobti, N. (2019). Impact of demonetization on diffusion of mobile payment service in India: Antecedents of behavioral intention and adoption using extended UTAUT model. Journal of Advances in Management Research.

Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly: Management Information Systems, 27(3), 425–478.

Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly: Management Information Systems.