Purpose

This study aims to analyse the adoption of mobile payment applications during the coronavirus disease 2019 (COVID-19) pandemic using the technology acceptance model (TAM) and Technology Readiness Index (TRI).

Design/methodology/approach

The data were collected from 400 mobile payment application users in Indonesia. The structural equation model–partial least square (SEM-PLS) analysis was conducted to analyse the relationship between variables and test a series of hypotheses.

Findings

TRI constructs affect perceived usefulness and perceived ease of use, with the exception of discomfort which has no significant effect on the perceived usefulness. In addition, attitude is influenced by two main TAM variables: perceived usefulness and perceived ease of use. Meanwhile, the intention to use mobile payment applications is influenced by attitude.

Research limitations/implications

This study will assist mobile payment application service providers and policymakers in planning services and increasing the adoption of mobile payment applications during the COVID-19 pandemic. This study will also add the existing knowledge about the mobile payment applications literature in the context of a pandemic.

Originality/value

This study is the first to empirically employ the TAM and TRI in analysing the adoption of mobile payment applications during the COVID-19 pandemic.

中文翻译：

---

预测在 COVID-19 大流行期间移动支付应用程序的采用

目的

本研究旨在使用技术接受模型 (TAM) 和技术准备指数 (TRI) 分析在 2019 年冠状病毒病 (COVID-19) 大流行期间移动支付应用程序的采用情况。

设计/方法/方法

数据来自印度尼西亚的 400 名移动支付应用程序用户。进行结构方程模型-偏最小二乘（SEM-PLS）分析，分析变量之间的关系并检验一系列假设。

发现

TRI 结构影响感知有用性和感知易用性，但不适感除外，它对感知有用性没有显着影响。此外，态度受两个主要 TAM 变量的影响：感知有用性和感知易用性。同时，使用移动支付应用的意愿也受到态度的影响。

研究限制/影响

这项研究将协助移动支付应用程序服务提供商和政策制定者在 COVID-19 大流行期间规划服务并增加移动支付应用程序的采用。本研究还将在大流行的背景下添加有关移动支付应用程序文献的现有知识。

原创性/价值

这项研究是第一个经验性地使用 TAM 和 TRI 来分析 COVID-19 大流行期间移动支付应用程序采用情况的研究。