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.本研究旨在探究在印尼线上诈骗案件日益增多、众多用户曾亲身遭遇线上诈骗的背景下，影响印尼民众持续使用数字支付决策的各类变量。数字支付凭借高效性与便捷性实现了快速普及，但安全问题始终是其发展的主要阻碍。本研究选取感知安全（perceived security）、信任（trust）、期望努力（effort expectancy）、社会影响（social influence）与满意度（satisfaction）等核心影响因素，以雅加达-茂物-唐格朗-勿加泗城市群（Jabodetabek，即大雅加达地区）的受访者调研数据为样本，采用结构方程模型（structural equation modeling）开展分析评估。研究结果表明，用户满意度几乎不受感知安全与感知确认（confirmation）的影响，而持续使用意向（continuance intention）则显著受感知易用性（ease of use）、信任与社会影响的正向驱动。本次研究的测量模型（measurement model）证实，研究结果具备优异的效度与信度，结论稳健可靠。尽管面临各类安全威胁，数字支付平台仍是日常交易不可或缺的重要支撑，这也凸显了优化反欺诈技术与构建信任策略的必要性。