Analysis of Factors Influencing Switching Intention to Use of M-Payment Applications
Article Sidebar
Main Article Content
Abstract
Every consumption activity is influenced by various factors related to security, trust, and transaction efficiency. This underpins the importance of adapting to technological innovation, particularly in modern payment systems. The purpose of this study was to evaluate consumer tendencies toward switching to mobile-based digital payment systems (m-payment). The sampling technique used was purposive sampling, with 100 active students from the Faculty of Law and Digital Business, Maranatha Christian University, from 2021 to 2024. The data used was primary data collected through an online questionnaire using Google Forms. This study was analyzed using multiple linear regression using SPSS version 30 software, focusing on the influence of the push effect, pull effect, and mooring effect variables (variable X) on switching intention (variable Y). The results showed that the pull effect and mooring effect had a significant positive influence on the intention to switch to m-payment, while the push effect had a significant negative influence. Of the three variables, the pull effect was the most dominant factor. Although the Push-Pull-Mooring model proved relevant in this study, limitations arose because the study only involved one educational institution, making the results less generalizable. Therefore, it is recommended that future research involve a more diverse sample and consider the addition of new variables.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Ani, J. (2022). Pengaruh Citra Merek, Promosi Dan Kualitas Layanan Terhadap Keputusan Pembelian Konsumen Pada E-commerce Tokopedia Di Kota Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi. https://doi.org/10.35794/emba.v10i1.38279
Fan, L. (2021). Mobile Payment: The Next Frontier of Payment Systems? - An Empirical Study Based on Push-Pull-Mooring Framework. Journal of Theoretical and Applied Electronic Commerce Research. https://doi.org/10.4067/S0718-18762021000200111
Gulmez, M. (2020). Transition Process From Using Member Cards To Mobile Applications: a review on the starbucks app. Journal of Osmaniye Korkut Ata University Faculty of Economics and Administrative Sciences R, 4(2), 1–18.
Hair, J., Sarstedt, M., Hopkins, L., & Kuppelwieser, V. (2014). Partial Least Squares Structural Equation Modeling (PLS-SEM): An Emerging Tool for Business Research. European Business Review, 26(2), 106–121.
Hurdawaty, R. (2020). Pengaruh Brand Image Terhadap Keputusan Pembelian Pada Domino’s Pizza Lippo Karawaci Utara. Jurnal Mandiri Ilmu Pengetahuan, Seni, Dan Teknologi. https://doi.org/10.33753/mandiri.v4i1.105
Indah, D. R. (2020). Pengaruh Citra Merek, Kualitas Produk dan Harga terhadap Keputusan Pembelian Produk Hand and Body Lotion Vaseline. “Jurnal Samudra Ekonomi Dan bisnis. https://doi.org/10.52970/grmapb.v5i1.454
Khrais, L. T. (2021). The Role of Mobile Application Acceptance in Shaping E-Customer Service. Future Internet. https://doi.org/10.3390/fi13030077
Krishnan, G., & Raghuram, J. N. V. (2023). Exploring factors and contextual applications of the Push-Pull Mooring (PPM) framework in switching intention: A systematic literature review. Multidisciplinary Reviews, 7(1). https://doi.org/10.31893/multirev.2024003
Melati, R. S. (2020). Pengaruh Harga Dan Online Consumer Review Terhadap Keputusan Pembelian Case Handphone Pada Marketplace Shopee. Jurnal Pendidikan Tata Niaga. https://doi.org/10.26740/jptn.v8n2.p%25p
Muliati. (2024). Transformasi Bisnis di Era Digital: Pengembagan Strategi dan Keterampilan Berbisnis Online. Celebes Journal of Community Services. https://doi.org/10.37531/celeb.v3i1.1145
Muttaqin, F. (2022). Pengaruh Push, Pull, And Mooring effect Terhadap Switching Intention Konsumen Mobile Legends: Bang Bang Pada league Of legends: Wild Rift. “Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan.
Nurcahyo, B. (2018). Analisis Dampak Penciptaan Brand Image Dan Aktifitas Word Of Mouth (WOM) Pada Penguatan Keputusan Pembelian Produk Fashion. Jurnal Nusantara Aplikasi Manajemen Bisnis. https://doi.org/10.29407/nusamba.v3i1.12026
Nurlinda, R. A. (2024). Factors Influencing Customer Switching Intentions in Online Food Delivery: A Perspective of The Push-Pull-Mooring Model. “Jurnal Manajemen Perhotelan.
Sari, I. M. (2024). The Influence of Brand Image, Price, and Product Quality on Purchasing Decisions for iPhone Products. Golden Ratio of Marketing and Applied Psychology of Business. https://doi.org/10.33059/jseb.v11i1.1983
Satriadi. (2022). Redefining The Concept of Consumer Switch Intention: A Literature Review. “Majalah Ilmiah Bijak. https://doi.org/10.31334/bijak.v19i1.1890
Sugandha, A. P. (2021). Pengaruh Push, Pull, Dan Mooring Terhadap Switching Intention Pada Konsumen Pengguna Wifi Di Era Pandemi Covid-19. Jurnal Ilmu Manajemen, 9(4).
Tang, K. L. (2022). Factors Influence Switching Intention to M-payment Using Push-Pull-Mooring Framework During the Coronavirus Pandemic in Malaysia. Asian Journal of Research in Business and Management. https://doi.org/10.55057/ajrbm.2022.4.3.55
Teguh, C., Salim, L., Katolik, U., Atma, I., & Fadila, R. (2025). Analysis Of The Influence Of Push , Pull And Mooring. locus journal: Research & Devotion, 4(4), 1532–1547. https://doi.org/doi.org/10.58344/locus.v4i4.3986
Triyanto, E. (2019). Implementasi Algoritma Regresi Linear Berganda Untuk Memprediksi Produksi Padi Di Kabupaten Bantul. rabit : Jurnal Teknologi Dan Sistem Informasi Univrab.
Usadi, P., & Pradnyan, M. (2022). Predicting Switching Intention Among Generation Y Using DeLone & McLean (Study on Shopee App). Jurnal Ekonomi Manajemen Dan Bisnis. https://doi.org/10.29103/e- mabis.v23i2.865
Wiranatakusuma, D. B. (2024). Analysis of Switching Intention of Cash Payment Users to Digital Payment (Linkaja) Using a Push-PullMooring Approach. Proceedings of the 1st UHAMKA International Conference on Economics and Business. https://doi.org/10.4108/eai.18-12-2023.2349522
Yu, S. Y. (2022). Consumers’ Switching from Cash to Mobile Payment under the Fear of COVID-19 in Taiwan. Sustainability. https://doi.org/10.3390/su14148489
Yunita, E. (2023). The Influence of Push-Pull-Mooring Effects on E-Wallet Customer Switching in Generation Z in DKI Jakarta. The South East Asian Journal of Management. https://doi.org/10.21002/seam.v17i1.1177
Yusuf, H. G. (2022). Pengaruh Push Pull Mooring Terhadap Switching Intention Pada Pengguna Aplikasi Video On Demand Di Masa Pandemi Covid-19. Indonesian Journal of Business Intelligence. https://doi.org/10.21927/ijubi.v5i1.2321
Campos Pimenta, M. T., de Mesquita, J. M. C., Shin, H., & Urdan, A. T. (2023). The Role of Customer Complaint Management on Switching Intention and Customer Exit in Fitness Centers. Services Marketing Quarterly, 44(1), 51–72. https://doi.org/10.1080/15332969.2022.2126081
Nurriza Rizky Robitha, K. K. N. (2025). Pengaruh Push, Pull, dan Mooring Pada Switching Intention Konsumen Pertamina ke Shell. Jurnal Sosial, Ekonomi Dan Humaniora, 7(1), 1–14. https://doi.org/https://doi.org/10.56244/sosiera.v4i1.929
Peña-García, N., Gil-Saura, I., Rodríguez-Orejuela, A., & Siqueira-Junior, J. R. (2020). Purchase intention and purchase behavior online: A cross-cultural approach. Heliyon, 6(6). https://doi.org/10.1016/j.heliyon.2020.e04284
Susanti, R., Pramana, E., Junaedi, H., & Informasi, T. (2025). Online Learning Pada Pegawai Negeri Sipil Berbasis Teori Push. 07(April), 18–26.