August 1, 2025KINDAIOpen Access

Predicting User Adoption of Digital Payment Platforms: A Quantitative Analysis Based on Utaut

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Discussion

Quantitative analysis shows performance expectancy, social influence, and facilitating condition drive behavioral intention in users.

Users' behavioral intention to adopt digital payment platforms increases with perceived usefulness, ease of use, and social support.
All four factors—performance expectancy, effort expectancy, social influence, and facilitating condition—significantly influence adoption.
A quantitative analysis using regression and T-test was conducted with 150 respondents in Indonesia.
Findings suggest targeted strategies are needed for fintech developers and marketers to improve user adoption rates.

M. Andri Radiany (2025) studied this question.

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