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FACTORS INFLUENCING ADOPTION AND ACTUAL USAGE OF DIGITAL PAYMENT SYSTEMS IN THE ERA OF THAILAND 4.0 FOR THAI SOCIETY |
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| รหัสดีโอไอ | |
| Creator | Suchat Kladkleeb |
| Title | FACTORS INFLUENCING ADOPTION AND ACTUAL USAGE OF DIGITAL PAYMENT SYSTEMS IN THE ERA OF THAILAND 4.0 FOR THAI SOCIETY |
| Contributor | Rawin Vongurai |
| Publisher | University of the Thai Chamber of Commerce |
| Publication Year | 2562 |
| Journal Title | UTCC International Journal of Business and Economics |
| Journal Vol. | 11 |
| Journal No. | 3 |
| Page no. | 117-144 |
| Keyword | digital payment, digital society, e-payment, m-payment, UTAUT, UTAUT2, IRT, innovation resistance, behavioral intention, actual usage, Thailand 4.0, cashless |
| URL Website | http://ijbejournal.com/ |
| Website title | ijbejournal |
| ISSN | 1906-5582 (paper) |
| Abstract | The 20-year Thailand Digital Economy and Society Development Plan driven through Thailand 4.0 is the country's priority and a key driver to promote cashless society. It's crucial for Thailand to ensure that acceptance and adoption of digital payment systems are on track and understand where to do better after implementing the e-Payment initiative. This study aims to explore factors influencing adoption and actual usage (AU) of digital payment systems in the early era of Thailand 4.0, validate a new integrated model between the unified theory of acceptance of use of technology 2 (UTAUT2) and the innovation resistance theory (IRT) under the context of users, and investigate the mean differences of AU among different income levels. This research was conducted a quantitative analysis through a survey method in form of online questionnaire. 780 consumers who have ever used any modes of the digital payment systems from all region across Thailand were selected as target respondents for this study. The results indicate that behavioral intention (BI) to use and innovation resistance (IR) affect the usage of digital payment systems. Both BI and IR could well explain AU. There were mean differences arising from the differences of income levels toward AU. In addition, insights deriving from some defined factors were interestingly found out from this study which would benefit to concerned stakeholders. |
