Exploring Trust, Risk, and Security as the Core Factors in Shaping the Intention to use Autopayment or Subscription: A Preliminary Study

Autopayment and Subscription services have become increasingly relevant in humanity’s day-to-day digital financial activity, especially with the widespread implementation of online platforms and digital banking. This preliminary study investigates the behavioral and psychological factors affecting the intention to adopt these services, focusing on how perceived risk, security, and trust shape users’ intention to adopt. The study collected data from 106 respondents in Indonesia between 30th November 2024 and 21st March 2025 using Google Forms and analyzed it using Partial Least Squares Structural Equation Modeling (PLS-SEM) through SmartPLS 4.0. Eight variables were examined in this study: Openness (OPN), Hedonic Experience (HEX), Perceived Risk (PRK), Trust (TRS), Perceived Security (PES), Attitude (ATT), Perceived Usefulness (PUN), and Intention to Use (ITU). The findings show that users who experience emotional satisfaction and trust in the services have a higher chance of adopting them. It is worth mentioning that Perceived Usefulness (PUN) and Perceived Security (PES) were found to hold no significant influence on the intention to use, while on the other hand, Attitude (ATT) demonstrated a more substantial influence.