Electronic Theses and Dissertation

ABSTRACT This study aims to deepen the understanding of mobile payment usage intention among merchants at coffee shops in Banda Aceh. Specifically, it examines the influence of perceived security and consumer innovativeness on usage intention, with trust acting as the mediator. To gather data, it surveyed 200 coffee shops in Banda Aceh, which served as a representative sample of the research population. The research population consists of coffee shops in Banda Aceh and used the non-probability convenience sampling technique to select participants. We employed structural equation modeling (SEM) as an analytical method to determine the relationships between different factors. The results indicate that perceived security and consumer innovativeness positively influence trust in mobile payment adoption. Furthermore, perceived security and consumer innovativeness significantly impact mobile payment adoption usage intention. However, neither perceived security nor consumer innovativeness significantly affects usage intention mediated by trust toward mobile payment adoption. Keywords: Perceived Security, Consumer Innovativeness, Trust, Usage Intention, Mobile Payment Adoption.