Literature Study on Go-Pay Service Acceptance Model for Consumers

Abstrak

This study investigates the influence of Perceived Ease of Use and Perceived Usefulness on consumer interest in using Go-Pay digital wallet services through a structured quantitative literature review. Drawing from 15 relevant empirical studies published in the last decade, this research synthesizes theoretical and empirical insights, particularly within the framework of the Technology Acceptance Model (TAM). The analysis confirms that both perceived ease of use and perceived usefulness consistently have a positive and significant impact on consumer intention to adopt Go-Pay services. Consumers tend to favor technologies that are intuitive and provide tangible benefits, such as efficiency, convenience, and incentives. Furthermore, while not the primary focus, supporting factors such as trust, perceived risk, and system security were also acknowledged in prior studies as influential. The findings underscore the importance of user-centered design and value-driven innovation in promoting digital payment adoption in Indonesia. This research contributes to the growing body of knowledge on fintech acceptance and provides actionable insights for digital wallet providers to enhance consumer engagement and loyalty.