DETERMINANTS OF CUSTOMER BEHAVIOR IN USING DIGITAL PAYMENTS IN INDONESIA WITH THE MODIFICATION OF UTAUT2 MODEL

In today's digital era, people must be able to intelligently choose whether to make
transactions using conventional payments or electronically (digital payments). Digital
payments are payment methods made using digital technology. To find out the factors
that encourage someone to use a system, many research models have been developed, one
of which is the Unified Theory of Acceptance and Use of Technology (UTAUT) model
which is the result of the development of Venkatesh, et al. (2003). The determinants to
measure the interest and behavior of digital payment users in the UTAUT2 model are
performance expectations, effort expectations, facilitation conditions, hedonic
motivations, and Utilitarian motivations. And moderated by social influences, habits, and
price values. the results of this study indicate that the three moderators are not suitable to
be used as moderators between the independent variable and the dependent variable. this
moderating variable proved to be insignificant and neither added nor reduced the
relationship between the independent and dependent variables. the five independent
variables proved significant to behavior intention. Behavior intention is proven to be
significant to user behavior.