Di masa perkembangan teknologi saat ini, layanan pembayaran digital semakin banyak dimanfaatkan masyarakat sebagai alternatif transaksi keuangan yang praktis dan efisien. Pertumbuhan pesat layanan ini juga didorong oleh meningkatnya inovasi teknologi finansial serta dukungan regulasi dari pemerintah. Namun, penggunaan aktual layanan pembayaran digital tidak hanya ditentukan oleh faktor kemudahan dan kegunaan, melainkan juga dipengaruhi oleh aspek keamanan, kepercayaan pengguna, dukungan pemerintah, pengaruh sosial, dan tingkat inovasi yang dihadirkan. Berdasarkan model Technology Acceptance Model (TAM), penelitian ini menguji keterkaitan konstruk Perceived Usefulness (PU), Perceived Ease of Use (PEU), Attitude Toward Using (ATU), Intention to Use (ITU), Security (SEC), Trust (TST), Government Support (GOS), Social Influence (SI), Innovation (IN), dan Actual System Use (ASU) untuk mengetahui faktor-faktor yang paling menentukan keberhasilan adopsi layanan pembayaran digital. Penelitian ini melibatkan 160 orang pengguna layanan pembayaran digital, dengan menggunakan metode analisis Structural Equation Modeling–Partial Least Square (SEM–PLS) dan menguji 11 hipotesis. Hasil penelitian menunjukkan bahwa terdapat 9 hipotesis yang diterima dan 2 ditolak. Hipotesis yang diterima meliputi hubungan PEU → PU (T = 11.553), PEU → ATU (T = 1.744), PU → ATU (T = 3.025), PU → ITU (T = 4.253), SEC → TST (T = 6.900), GOS → ITU (T = 1.848), SI → ITU (T = 3.740), IN → ITU (T = 3.316), dan ITU → ASU (T = 6.527). Sementara itu, hubungan ATU → ITU (T = 1.565) dan TST → ITU (T = 0.273) tidak signifikan. Hasil tersebut dapat menjadi acuan bagi penyedia layanan, pengguna layanan atau pemerintah guna meningkatkan kepercayaan, memperkuat keamanan, mendorong inovasi, serta memastikan keberlanjutan adopsi layanan pembayaran digital di Indonesia.
In the current era of technological advancement, digital payment services are increasingly utilized by society as a practical and efficient alternative for financial transactions. The rapid growth of these services is also driven by the rise of financial technology innovations and regulatory support from the government. However, the actual use of digital payment services is not solely determined by perceived ease of use and usefulness, but is also influenced by security, user trust, government support, social influence, and the degree of innovation offered. Based on the Technology Acceptance Model (TAM), this study examines the relationships among Perceived Usefulness (PU), Perceived Ease of Use (PEU), Attitude Toward Using (ATU), Intention to Use (ITU), Security (SEC), Trust (TST), Government Support (GOS), Social Influence (SI), Innovation (IN), and Actual System Use (ASU) to identify the most critical factors driving the adoption of digital payment services. This research involved 160 users of digital payment services and employed Structural Equation Modeling–Partial Least Squares (SEM–PLS) to test 11 hypotheses. The findings indicate that nine hypotheses were supported while two were rejected. The supported hypotheses include the relationships PEU → PU (T = 11.553), PEU → ATU (T = 1.744), PU → ATU (T = 3.025), PU → ITU (T = 4.253), SEC → TST (T = 6.900), GOS → ITU (T = 1.848), SI → ITU (T = 3.740), IN → ITU (T = 3.316), and ITU → ASU (T = 6.527). Conversely, the paths ATU → ITU (T = 1.565) and TST → ITU (T = 0.273) were found to be insignificant. These results highlight that beyond cognitive factors such as perceived ease of use and usefulness, security, innovation, social influence, and government support play significant roles in fostering intention and actual usage of digital payment services. The study provides practical implications for service providers, regulators, and stakeholders to strengthen security, build user trust, enhance innovation, and ensure the sustainable adoption of digital payment services in Indonesia.
