The emergence of technological sophistication has encouraged the adoption of e-payments in Indonesia. E-payment services become a facilitator in supporting the success of online payment transactions through e-commerce. Therefore, this study aims to measure validity about factors that influence users in Indonesia to adopt an e-payment system. Sample data collection techniques of 134 prospective respondents and the research model measurement results used PLS-SEM using Smart PLS 4.0. Based on the test results, there are 3 hypotheses that have a positive impact on e-payment utilization, namely perceived security, social influence, and e-commerce transaction. Meanwhile, performance expectancy, quality of information, and perceived convenience have no significant links. Structural model test results with R-square value of 0.543 are categorized as moderately accurate. In conclusion, there are three variables that can be agreed upon by companies or entrepreneurs who adopt the use of e-payment to increase the attractiveness and number of consumers to implement this e-payment method. With continuous development, this factor can represent opportunities for a greater percentage of success through consumer intentions of the use of e-payments in Indonesia, which has the potential to support the country’s economic growth.

Link: Exploring The Factors that Motivate Individuals to Utilize E-Payment within The FinTech Sector