Determinants of Digital Payment Adoption: The Roles Social Influence, Ease of Use, and Data Security

Digital payment systems are reshaping financial transactions worldwide, yet behavioral drivers of adoption in emerging markets remain insufficiently understood. This study examines how social influence, ease of use, and data security affect users’ intention to adopt digital payment platforms in Jakarta and its surrounding areas. Drawing on a survey of 155 users analyzed with structural equation modeling-partial least squares (SEM-PLS), the results show that social influence and ease of use significantly influence behavioral intention, while data security does not. This contrasts with prior findings that highlight security as a key factor, suggesting that in Indonesia’s mature digital payment ecosystem, users assume a baseline of protection and rely more on peer endorsement and usability. The novelty of this study lies in demonstrating how cultural context and market maturity reshape adoption determinants. Practically, providers should prioritize intuitive design and community-driven marketing strategies, while policymakers ensure strong background security and consumer protection to support sustainable adoption.