The determining factors influencing consumer's intention to use e-payment in public bus in Johor Bahru

Abstract

In the past decade, the use of electronic payment or e-payment in Malaysia has grown rapidly and to the extend it overtook conventional cash payment. E-payment has facilitated consumers to perform a smoother transaction process. According to Bank Negara Malaysia, Malaysia’s consumers are not willing to migrate to e-payment. The reluctancy among consumer to adopt e-payment technologies caused a major obstacle. Given the situation, the challenge is to understand the passenger’s behaviour reluctancy and their intention to adopt e-payment in public bus. In this study, the researcher aims to study the significant factors that influence the consumer’s intention to use e-payment in the public bus. The proposed framework was developed by extending the Technology Acceptance Model (TAM) framework with the Theory of Reason Action (TRA). This study the relationship between Ease of use, Perceived Usefulness, Perceived Security, Attitudes on e-payment, and Perceived Cost. The study area of this research at Johor Bahru District. In this study, Johor Bahru district is defined an area within Majlis Bandaraya Johor Bahru and Majlis Bandaraya Iskandar Puteri jurisdiction area. A total data of 203 respondents were collected though online questionnaire. At 95 percent confidence level, the survey applying Person’s correlation, Multiple regression analysis and hypothesis testing to identify the significance factor and the passenger’s intention. Finally, the study had identified that Perceived ease of use, Perceived usefulness, and Attitude were found to be significant factor that determine intention to use e-payment in the public bus in Johor Bahru.