Determinants and Theoretical Perspectives of Continuance Intention in Digital Payment Services: A Systematic Literature Review
##plugins.themes.EpsilonTheme.article.main##
Puspa Leni*
Yunia Wardi
Rino
Continuance intention in digital payment services denotes users' willingness to maintain usage post-adoption. Understanding its determinants is crucial for long-term ecosystem sustainability. This study conducts a systematic literature review (SLR) of empirical research on continuance intention in digital payment services, aiming to: (1) identify key determinants influencing continued usage post-adoption; (2) analyze dominant theoretical frameworks in international literature; and (3) synthesize explanatory mechanisms linking user experience to ecosystem sustainability. The review examines empirical research in Scopus-indexed and major bibliometric databases, synthesizing studies to identify determinants, frameworks, and mechanisms. Findings show user satisfaction, perceived usefulness, perceived ease of use, trust, security, and social influence consistently emerge as primary continuance determinants, with satisfaction proving the most robust predictor across contexts. The review reveals studies predominantly employ techno-behavioral models, including the Expectation–Confirmation Model and Technology Acceptance Model, while risk-related perspectives remain under-integrated. Longitudinal research remains scarce. The review recommends integrative theoretical approaches and longitudinal studies to advance understanding of continuance intention in digital payment services.
Alalwan, A. A., Dwivedi, Y. K., Rana, N. P. P., & Williams, M. D. (2016). Consumer adoption of mobile banking in Jordan. Journal of Enterprise Information Management, 29(1), 118–139. https://doi.org/10.1108/JEIM-04-2015-0035
Azizah, A. W., & Setyorini, D. (2024). The effect of financial literacy and digital payment technology on financial vulnerability: A crucial investigation. Kompartemen : Jurnal Ilmiah Akuntansi, 22(2), 259. https://doi.org/10.30595/kompartemen.v22i2.23813
Bhattacherjee, A. (2001). Understanding Information Systems Continuance: An Expectation-Confirmation Model1. MIS Quarterly, 25(3), 351–370. https://doi.org/10.2307/3250921
Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: a perceived risk facets perspective. International Journal of Human-Computer Studies, 59(4), 451–474. https://doi.org/10.1016/S1071-5819(03)00111-3
Gao, L., & Waechter, K. A. (2017). Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation. Information Systems Frontiers, 19(3), 525–548. https://doi.org/10.1007/s10796-015-9611-0
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 51–90.
Heratiana, N., Wijayanti, A., & Nur Rois, D. I. (2025). Faktor-Faktor yang Mempengaruhi Minat Menggunakan Dompet Digital. TRANSEKONOMIKA: Akuntansi, Bisnis Dan Keuangan, 5(2), 631–643. https://doi.org/10.55047/transekonomika.v5i2.894
Huang, L., & Savary, J. (2023). When Payments Go Social: The Use of Person-to-Person Payment Methods Attenuates the Endowment Effect. Journal of Marketing Research, 60(3), 585–601. https://doi.org/10.1177/00222437221128255
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310–322. https://doi.org/10.1016/j.chb.2009.10.013
Muna, N. K., Musnadi, S., & Majid, M. S. A. (2023). The Role of External Auditors in Improving Cybersecurity of the Companies through Internal Control in Financial Reporting. Journal of System and Management Sciences, 13(1), 475–492. https://doi.org/10.33168/JSMS.2023.0126
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404–414. https://doi.org/10.1016/j.chb.2016.03.030
Prabowo, B. H. (2021). Analisis Pendalaman Keuangan di Indonesia. Jurnal Manajemen Jayanegara, 13(1), 1–5. https://doi.org/10.52956/jmj.v13i1.25
Sleiman, K. A. A., Jin, W., Juanli, L., Lei, H. Z., Cheng, J., Ouyang, Y., & Rong, W. (2022). The Factors of Continuance Intention to Use Mobile Payments in Sudan. Sage Open, 12(3), 1–17. https://doi.org/10.1177/21582440221114333
Susanto, P., Hoque, M. E., Nisaa, V., Islam, M. A., & Kamarulzaman, Y. (2023). Predicting m-Commerce Continuance Intention and Price Sensitivity in Indonesia by Integrating of Expectation-Confirmation and Post-acceptance Model. Sage Open, 13(3). https://doi.org/10.1177/21582440231188019
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, 157–178.
Wijaya, R. K., & Keni, K. (2025). Determinan Intensi Berkelanjutan untuk Menggunakan Aplikasi Pembayaran Digital di Indonesia: Peran Mediasi Kepuasan Pelanggan. Business Management Journal, 21(2), 183–202. https://doi.org/10.30813/bmj.v21i2.8951
Zhou, T. (2013). An empirical examination of continuance intention of mobile payment services. Decision Support Systems, 54(2), 1085–1091. https://doi.org/10.1016/j.dss.2012.10.034
