Behavioural intention to use debit cards in Indonesia: The users' perspective analysis

Julaihah, Umi ORCID: https://orcid.org/0000-0002-7558-9812 (2021) Behavioural intention to use debit cards in Indonesia: The users' perspective analysis. Doctoral thesis, University of Canberra.

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Abstract

This thesis aims to identify factors affecting user acceptance of debit cards in Indonesia. Two groups are analysed: the general population, and the recipients of a social assistance program as specific mandatory users. Although electronic payment (e-payment) usage in Indonesia has been growing, its application is still low. Additionally, debit cards, as the most widely used type of e-payment, are still not fully utilised in reducing cash usage. This thesis modified the Unified Theory of Acceptance and Use of Technology (UTAUT) to better fit financial sector characteristics and the Indonesian context by incorporating trust, financial literacy, and two antecedents of trust (religious belief and perceived security). Moreover, a multigroup analysis was performed to explore the moderating effect of different socio-economic and demographic variables on the acceptance of debit card use.
This research applied a quantitative method, using partial least squares structural equation modelling (PLS-SEM) analysis. A questionnaire was used to obtain information about user acceptance of debit cards. In this study, the general population was the adult population who have debit cards in Indonesia, and the sample was obtained through an online survey using web-based respondent-driven sampling. Meanwhile, the population of mandatory users were the recipients of a social assistance program (Family Hope Program or PKH) in East Java Province, and the data were collected through a field survey using stratified random sampling.
The findings revealed that trust is the most influential determinant of attitude towards using debit cards for the general population, followed by social influence and facilitating conditions. In contrast, performance expectancy and effort expectancy are the best two predictors for attitude towards using debit cards among PKH recipients. Furthermore, the multigroup analysis confirmed that there are some significant differences between groups (for example, males versus females, younger versus older, less experienced versus experienced users), indicating the presence of some moderating effects.
The current research contributes to the literature in the field of technology acceptance research and is more integrated into the financial context than many previous studies. Moreover, the research model proposed can provide a useful basis for investigating the factors that contribute to trust in banking or financial services. The findings also confirm that the UTAUT model can be applied to a non-western and developing country, such as Indonesia. Further, the implications of the research findings provide useful insights for the authorities (government and the central bank) and the banking sector to be able to design policies that are in harmony with the conditions and characteristics of the society, and which will maximise the utilisation of debit cards. In this way, economic efficiency, as a benefit of the use of e-payments, can be reaped by all economic actors.

Item Type:	Thesis (Doctoral)
Keywords:	e-payment, trust, financial literacy, UTAUT, moderation analysis
Subjects:	14 ECONOMICS > 1402 Applied Economics > 140207 Financial Economics 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150201 Finance 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150299 Banking, Finance and Investment not elsewhere classified
Divisions:	Faculty of Tarbiyah and Teaching Training > Department of Social Science Education
Depositing User:	Umi Julaihah
Date Deposited:	21 Dec 2025 22:24

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