MOBILE PAYMENT USEFULNESS AND ADOPTION INTENTION: EVIDENCE FROM BUSINESS EDUCATION STUDENTS AT UPI

Abstract

This study aims to examine the influence of Mobile Payment Usefulness on Adoption Intention among Business Education students at Universitas Pendidikan Indonesia. The research employed a quantitative approach using a cross-sectional survey design. The population consisted of undergraduate students in Business Education, and data were collected through an online questionnaire distributed using simple random sampling, resulting in 36 valid responses. The instrument consisted of two constructs: Mobile Payment Usefulness (5 items) and Adoption Intention (4 items), measured using a five-point Likert scale. Data were analyzed using descriptive statistics, reliability testing, and simple linear regression with SPSS. The findings revealed that Mobile Payment Usefulness had a significant and positive effect on Adoption Intention (β = 0.716, p < 0.001), explaining 51.2% of the variance. This indicates that students’ intention to adopt mobile payment systems increases when they perceive them as useful and efficient. The study supports the Technology Acceptance Model (TAM) and highlights the importance of enhancing mobile payment functionality and reliability to encourage greater adoption among students. Future studies are recommended to include additional variables such as perceived ease of use, trust, or social influence to deepen the understanding of technology adoption behavior in educational contexts.