References
- APJI. (2022). Profil Internet Indonesia 2022. Apji.or.Od, June. apji.or.id
- Barati, S., & Shahriar Mohammadi. (2009). An Efficient Model to Improve Customer Acceptance of Mobile Banking. Proceedings of the World Congress on Engineering and Computer Science 2009 Vol II, II, 20–22.
- Borraz-Mora, J., Bordonaba-Juste, V., & Polo-Redondo, Y. (2017). Functional Barriers To the Adoption of Electronic Banking: the Moderating Effect of Gender. Revista de Economía Aplicada Número, 75, 107.
- Chemingui, H., & Lallouna, H. Ben. (2013). Resistance, motivations, trust and intention to use mobile financial services. International Journal of Bank Marketing, 31(7), 574–592. https://doi.org/10.1108/IJBM-12-2012-0124
- Cheng, S., Lee, S. J., & Lee, K. R. (2014). User resistance of mobile banking in China: Focus on perceived risk. International Journal of Security and Its Applications, 8(2), 167–172. https://doi.org/10.14257/ijsia.2014.8.2.17
- Claudy, M. C., Peterson, M., & O’Driscoll, A. (2013). Understanding the Attitude-Behavior Gap for Renewable Energy Systems Using Behavioral Reasoning Theory. Journal of Macromarketing, 33(4), 273–287. https://doi.org/10.1177/0276146713481605
- Dawn lacobucci and Gilbert A. Churchill, J. (2010). Marketing research: methodological foundations. September.
- Dotzauer, K., & Haiss, F. (2017). Barriers towards the adoption of mobile payment services - An empirical investigation of consumer resistance in the context of Germany. Karistad Business Scholl, 1–82. http://www.diva-portal.org/smash/get/diva2:1114478/FULLTEXT02
- Edmondson, A. C., Bohmer, R. M., & Pisano, G. P. (2001). Disrupted routines: Team learning and new technology implementation in hospitals. Administrative Science Quarterly, 46(4), 685–716. https://doi.org/10.2307/3094828
- Gerrard, P., Barton Cunningham, J. and Devlin, J. F. (2006): (2006). “Why consumers are not using internet banking: a qualitative study”. Journal of Services Marketing, Vol. 20, n. 3, Pp. 160-168.
- Gibbs, B. J., & Drolet, A. (2003). Consumption Effort: The Mental Cost of Generating Utility and the Role of Consumer Energy Level in Ambitious Consumption. Journal of Consumer Psychology, 13(3), 268–277. https://doi.org/10.1207/S15327663JCP1303_08
- Hair, J. F., Ringle, C. M., & Sarstedt, M. (2011). PLS-SEM: Indeed a silver bullet. Journal of Marketing Theory and Practice, 19(2), 139–152. https://doi.org/10.2753/MTP1069-6679190202
- Heidenreich, S., & Handrich, M. (2015). What about Passive Innovation Resistance? Investigating Adoption-Related Behavior from a Resistance Perspective. Journal of Product Innovation Management, 32(6), 878–903. https://doi.org/10.1111/jpim.12161
- Hundleby, J. D., & Nunnally, J. (1968). Psychometric Theory. In American Educational Research Journal (Vol. 5, Issue 3). New York: McGraw-Hill. https://doi.org/10.2307/1161962
- Kaur, P., Dhir, A., Ray, A., Bala, P. K., & Khalil, A. (2020). Innovation resistance theory perspective on the use of food delivery applications. Journal of Enterprise Information Management, 34(6), 1746–1768. https://doi.org/10.1108/JEIM-03-2020-0091
- Kaur, P., Dhir, A., Singh, N., Sahu, G., & Almotairi, M. (2020). An innovation resistance theory perspective on mobile payment solutions. Journal of Retailing and Consumer Services, 55(June 2019), 102059. https://doi.org/10.1016/j.jretconser.2020.102059
- Kleijnen, M., Lee, N., & Wetzels, M. (2009). An exploration of consumer resistance to innovation and its antecedents. Journal of Economic Psychology, 30(3), 344–357. https://doi.org/10.1016/j.joep.2009.02.004
- Kuisma, T., Laukkanen, T., & Hiltunen, M. (2007). Mapping the reasons for resistance to Internet banking: A means-end approach. International Journal of Information Management, 27(2), 75–85. https://doi.org/10.1016/j.ijinfomgt.2006.08.006
- Laukkanen, T. (2016). Consumer adoption versus rejection decisions in seemingly similar service innovations: The case of the Internet and mobile banking. Journal of Business Research, 69(7), 2432–2439. https://doi.org/10.1016/j.jbusres.2016.01.013
- Laukkanen, T., & Kiviniemi, V. (2010). The role of information in mobile banking resistance. International Journal of Bank Marketing, 28(5), 372–388. https://doi.org/10.1108/02652321011064890
- Laukkanen, T., Sinkkonen, S., Kivijärvi, M., & Laukkanen, P. (2007). Innovation resistance among mature consumers. Journal of Consumer Marketing, 24(7), 419–427. https://doi.org/10.1108/07363760710834834
- Marett, Kent, Pearson, Allison, W., Pearson, RodneyA., Bergiel, & Erich. (2015). Using mobile devices in a high risk context: The role of risk and trust in an exploratory study in Afghanistan.
- Migliore, G., Wagner, R., Cechella, F. S., & Liébana-Cabanillas, F. (2022). Antecedents to the Adoption of Mobile Payment in China and Italy: an Integration of UTAUT2 and Innovation Resistance Theory. Information Systems Frontiers, 0123456789. https://doi.org/10.1007/s10796-021-10237-2
- Moorthy, K., Suet Ling, C., Weng Fatt, Y., Mun Yee, C., Ket Yin, E. C., Sin Yee, K., & Kok Wei, L. (2017). Barriers of mobile commerce adoption intention: Perceptions of generation X in Malaysia. Journal of Theoretical and Applied Electronic Commerce Research, 12(2), 37–53. https://doi.org/10.4067/S0718-18762017000200004
- Ram, S., & Sheth, J. N. (1989). Consumer resistance to innovations: The marketing problem and its solutions. Journal of Consumer Marketing, 6(2), 5. https://doi.org/10.1108/EUM0000000002542
- Rammile, N., & Nel, J. (2012). Understanding resistance to cell phone banking adoption through the application of the technology acceptance model (TAM). African Journal of Business Management, 6(1), 86–97. https://doi.org/10.5897/ajbm11.635
- Sagayarani, D. (2021). Digital payments in India. IOSR Journal of Business and Management (IOSR-JBM), 28–33. apji.or.id
- Shin, C., Hong, J. H., & Dey, A. K. (2012). Understanding and prediction of mobile application usage for smart phones. UbiComp’12 - Proceedings of the 2012 ACM Conference on Ubiquitous Computing, May, 173–182. https://doi.org/10.1145/2370216.2370243
- Sivathanu, B. (2019). Adoption of digital payment systems in the era of demonetization in India: An empirical study. Journal of Science and Technology Policy Management, 10(1), 143–171. https://doi.org/10.1108/JSTPM-07-2017-0033
- Sobti, N. (2019). Impact of demonetization on diffusion of mobile payment service in India: Antecedents of behavioral intention and adoption using extended UTAUT model. Journal of Advances in Management Research, 16(4), 472–497. https://doi.org/10.1108/JAMR-09-2018-0086
- Suhaeni, T. (2020). Analisis Hambatan Fungsional Terhadap Adopsi Layanan Mobile Payment. Jurnal Riset Bisnis Dan Investasi, 5(3), 36–45. https://doi.org/10.35313/jrbi.v5i3.1579
- Venkatesh, V., & Davis, F. D. (2000). Theoretical extension of the Technology Acceptance Model: Four longitudinal field studies. Management Science, 46(2), 186–204. https://doi.org/10.1287/mnsc.46.2.186.11926
- Venkatesh, V., & Hall, R. H. S. S. of B. U. of M. V. M. (2003). User Acceptance Of Information Technology: Toward A Unified View. Microvascular Research. https://doi.org/10.1006/mvre.1994.1019
- Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance And Use Of Information Technology: Extending The Unified Theory Of Acceptance And Use Of Technology. MIS Quarterly, 36(1), 157–178. https://pdfs.semanticscholar.org/6256/0e2001480fd1f22558ce4d34ac93776af3e6.pdf%0A https://pdfs.semanticscholar.org/6256/0e2001480fd1f22558ce4d34ac93776af3e6.pdf?_ga=2.124539978.1994179764.1540339706-2125081534.1540339706
- Yu, C. S., & Chantatub, W. (2016). Consumers’ resistance to using mobile banking: Evidence from Thailand and Taiwan. International Journal of Electronic Commerce Studies, 7(1), 21–38. https://doi.org/10.7903/ijecs.1375