Continuance Intention of Digital Payment Use in Indonesia Despite Online Scam Experience

This study explores the variables affecting Indonesians' decision to continue using digital payments in spite of the growing number of online scams and the fact that many users have direct experience of online scam. Adoption of digital payments has increased quickly due to its efficiency and convenience, but security issues continue to be a major obstacle. Examining important factors such perceived security, trust, effort expectancy, social influence, and satisfaction, the study uses data gathered from respondents in the Jabodetabek area and evaluated using structural equation modeling. According to the results, user satisfaction is hardly impacted by perceived security or confirmation, while continuance intention is greatly influenced by ease of use, trust, and social influence. The measurement model confirms the robustness of the results with great validity and reliability. Digital payment platforms are still crucial to everyday transactions despite security threats, which highlights the need for improved fraud prevention techniques and trust-building strategies.