Digital Payment Experience and Impulsive Consumption: Examining Satisfaction as a Mediating Process Among Indonesian Users
Main Article Content
Abstract
Digital payment platforms have become an integral part of everyday life in Indonesia, particularly among young consumers. E-wallet applications are often associated with efficiency and ease, yet their influence may extend beyond convenience. As transactions become increasingly seamless, the way consumers make purchasing decisions may also be changing. This study examines how digital payment experience shapes impulsive consumption, focusing on satisfaction as a mediating process.
Grounded in the Stimulus-Organism-Response framework, perceived interactivity, visual appeal, and subjective norms are considered as experiential and social factors that influence users’ overall satisfaction, which in turn may encourage spontaneous purchasing behavior. Data were collected through a survey of active Indonesian e-wallet users and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM).
The findings indicate that interactive features, appealing interface design, and social influence contribute positively to user satisfaction. Satisfaction, in turn, is associated with a higher tendency toward impulsive consumption. Mediation analysis suggests that satisfaction functions as an important pathway linking digital payment experience to behavioral outcomes.
By situating these relationships within the Indonesian context, this study contributes to a growing conversation on how fintech platforms subtly shape consumer behavior. The results also offer practical insights for digital platform developers and policymakers seeking to balance user engagement with responsible consumption practices.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
https://creativecommons.org/licenses/by-sa/4.0/
References
Beatty, S. E., & Ferrell, M. E. (1998). Impulse buying: Modeling its precursors. Journal of Retailing, 74(2), 169–191. https://doi.org/10.1016/S0022-4359(98)90009-4
Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India: An empirical study. International Journal of Bank Marketing, 37(7), 1590–1618. https://doi.org/10.1108/IJBM-09-2018-0256
Cyr, D., Head, M., & Ivanov, A. (2009). Perceived interactivity leading to e-loyalty: Development of a model for cognitive–affective user responses. Information & Management, 46(7), 430–438. https://doi.org/10.1016/j.ijhcs.2009.07.004
Beatty, S. E., & Ferrell, M. E. (1998). Impulse buying: Modeling its precursors. Journal of Retailing, 74(2), 169–191. https://doi.org/10.1016/S0022-4359(98)90009-4
Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India: An empirical study. International Journal of Bank Marketing, 37(7), 1590–1618. https://doi.org/10.1108/IJBM-09-2018-0256
Cyr, D., Head, M., & Ivanov, A. (2009). Perceived interactivity leading to e-loyalty: Development of a model for cognitive–affective user responses. International Journal of Human-Computer Studies, 67(10), 850–869. https://doi.org/10.1016/j.ijhcs.2009.07.004
Floh, A., & Madlberger, M. (2013). The role of atmospheric cues in online impulse buying behavior. Electronic Commerce Research and Applications, 12(6), 425–439. https://doi.org/10.1016/j.elerap.2013.06.001
Islam, J. U., Rahman, Z., & Hollebeek, L. D. (2018). Consumer engagement in online brand communities: a solicitation of congruity theory. Internet Research, 28(1), 23–45. https://doi.org/10.1108/IntR-09-2016-0279
Jiang, Z., Chan, J., Tan, B. C. Y., & Chua, W. S. (2019). Effects of interactivity on website involvement and purchase intention. Journal of the Association for Information Systems, 20(7), 1091–1115. DOI: 10.17705/1jais.00218
Loureiro, S. M. C., Guerreiro, J., & Ali, F. (2020). 20 years of research on virtual reality and augmented reality in tourism context: A text-mining approach. Tourism Management, 77, 104028. https://doi.org/10.1016/j.tourman.2019.104028
McMillan, S. J., & Hwang, J. S. (2002). Measures of perceived interactivity: An exploration of the role of direction of communication, user control, and time in shaping perceptions of interactivity. Journal of Advertising, 31(3), 29–42. https://doi.org/10.1080/00913367.2002.10673674
Mehrabian, A., & Russell, J. A. (1974). An approach to environmental psychology. MIT Press.
Oliver, R. L. (2014). Satisfaction: A behavioral perspective on the consumer (2nd ed.). Routledge.
Raghubir, P., & Srivastava, J. (2008). Monopoly money: The effect of payment coupling and form on spending behavior. Journal of Experimental Psychology: Applied, 14(3), 213–225. https://doi.org/10.1037/1076-898X.14.3.213
Tamilmani, K., Rana, N. P., Prakasam, N., & Dwivedi, Y. K. (2019). The battle of brain vs. heart: A literature review and meta-analysis of hedonic motivation in UTAUT2. International Journal of Information Management, 46, 222–235. https://doi.org/10.1016/j.ijinfomgt.2019.01.008
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
Zhang, K. Z. K., Xu, H., Zhao, S., & Yu, Y. (2018). Online reviews and impulse buying behavior: The role of browsing and impulsiveness. Internet Research, 28(3), 522–543. https://doi.org/10.1108/INTR-12-2016-0377