Factors of an Easy Payment System Affecting Usage Behavior in a Major Payment and a Small Payment

FinTech is a new electronic technology which is considered an easy payment system. This study suggests an easy payment system which is a modified model of intention of adoption of an easy payment system based on UTAUT (Unified Theory of Acceptance and Use of Technology). The modified model diagnoses variables affecting customers’ acceptance intention by adding a new factor of perceived risk in term of size of payment - a major payment and a small payment. It is also surveyed by users who have experienced easy payment and empirically analyze the survey data through statistical technique. SPSS22.0 was used to generate basics statistics. while Smart PLS2.0 was utilized for hypothesis testing. Smart PLS2.0 is a structural equation method of partial least square. Result indicate that when a major payment is made, effort expectancy, social influence, and perceived risk affect intention of adoption. However, performance expectancy does not affect intention of adoption. Moreover, when a small payment is made, effort expectancy and social influence affect intention to adopt, but performance expectancy and perceived risk do not affect intention to adopt. Furthermore, perceived risk significantly affects intention to adopt negatively in the case of a major payment but does not significantly affect a small payment. Lastly, intention to adopt is significantly related to usage behavior.