ABSTRACT
Mobile payments are financial services that minimize payments through conventional ways and use technology to meet payment and transaction needs. However, the services provided have not been carried out comprehensively because there are factors that affect the user’s intention to adopt technology in terms of transactions. This study aims to understand the determinants of users’ intentions in using mobile payments, specifically among millennials. This research was conducted using the user acceptance approach, the unified theory of acceptance and use of technology II (UTAUT2). A survey was conducted with 310 respondents who were given a questionnaire regarding the factors of research findings, namely, the perceived ease of use, perceived usefulness, social influence, trust, promotional offers, and perceived risk, which affect behavior intention to use mobile payments. This research is expected to help both users and mobile payment providers to develop features according to the factors that have been studied.
