Supriatna, Dicky (2025) The Influence of Extrinsic and Intrinsic Motivation and Technology Adoption on Mobile Payment Usage Among Millennials in Jakarta, Indonesia. Doctoral thesis, Asia e University.
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Abstract
The rapid growth of mobile payment in Indonesia has been driven by technological advancements, improved financial literacy, and government initiatives such as the Gerakan Nasional Non-Tunai (GNNT—Non-Cash National Movement). Nevertheless, usage among millennials in Jakarta, Indonesia—as a national barometer city—remains relatively low due to issues of convenience, security concerns, and the limited effectiveness of extrinsic incentives. This gap warrants further investigation, particularly as millennials represent the most socio-economically dominant generation and should act as leaders in the digital financial transformation. Theoretically, prior studies have tended to emphasise extrinsic motivation and intrinsic motivation while positioning behavioural intention or attitude as mediators towards actual usage. In contrast, this study introduces Technology Adoption (TA)—operationalised through perceived usefulness and perceived ease of use—as the key mediating variable, thereby offering a novel perspective on the internalisation mechanism of motivation before it translates into actual usage. This research integrates the Self-Determination Theory (SDT) and the Technology Acceptance Model (TAM) into a unified conceptual framework. A purposive sampling technique was employed, yielding 305 responses. After excluding non-millennial respondents, those outside Jakarta, and statistical outliers, 162 valid responses were retained, representing a final usable response rate of 53.11%. Data were analysed using Partial Least Squares-Structural Equation Modelling (PLS-SEM) with a reflective–formative Higher Component Model (HCM) approach. The findings indicate that intrinsic motivation—particularly perceived convenience and perceived security—significantly influences TA and, through TA, the use of mobile payment, confirming a full mediation effect with a large effect size (0.366). Conversely, extrinsic motivation (promotion & discount, social influence, and social support) exerts no significant effect on either TA or mobile payment usage. Theoretically, this study extends SDT and TAM by reaffirming the dominant role of intrinsic motivation and advancing TA as an alternative mediating mechanism beyond the conventional reliance on behavioural intention or attitude. Practically, the findings recommend that government initiatives such as GNNT should be strengthened through enhanced digital financial literacy, improved system security, and public awareness campaigns—particularly against social engineering practices— to foster trust. Meanwhile, service providers should prioritise positive user experiences by investing in intuitive interface design, robust security features, and trust-building strategies to encourage sustained adoption of mobile payment among millennials.
| Item Type: | Thesis (Doctoral) |
|---|---|
| Uncontrolled Keywords: | Mobile payment, self-determination theory, technology acceptance model, intrinsic motivation, extrinsic motivation, technology adoption, millennials, Indonesia |
| Subjects: | H Social Sciences > HG Finance |
| Divisions: | School of Graduate Studies |
| Depositing User: | Nor Aisyah Ghazali |
| Date Deposited: | 14 Apr 2026 08:30 |
| Last Modified: | 14 Apr 2026 08:30 |
| URI: | http://ur.aeu.edu.my/id/eprint/1478 |
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