Determinants of Continuance Intention by Developing the Expectation Confirmation Model (ECM): A Study of OVO Fintech Application Users in Indonesia

Amma Fazizah; Mochammad Al Musadieq; Andriani Kusumawati; Mohammad Iqbal

Article Details

Determinants of Continuance Intention by Developing the Expectation Confirmation Model (ECM): A Study of OVO Fintech Application Users in Indonesia

Authors:

Amma Fazizah | Mochammad Al Musadieq | Andriani Kusumawati | Mohammad Iqbal

Publisher:

KnE Social Sciences

Journal:

KnE Social Sciences Vol.10 Issue 13, pp.307-328

Document Type:

Article

Publication Date:

6/2025

Document Language:

English

Document ID (Org No.):

2001514541

pISSN:

2518-668X

Keywords:

Abstract:

 This research aims to explore the factors influencing the continued use of the OVO fintech application in Indonesia. As digital payment platforms become increasingly common in today’s digital era, OVO has emerged as one of the country’s leading fintech services. The study issues a quantitative approach with a sample of 500 respondents selected using purposive sampling, allowing for specific criteria to guide the inclusion of participants. Data were collected through an online survey and analyzed using the fractional minimum quadratic terms method. Of the 13 research hypotheses, 11 were found to significantly influence users’ intention to continue using the application. However, two hypotheses were not supported: perceived usefulness was found to have no significant effect on user satisfaction or continuance intention. These findings offer valuable insights for fintech developers in Indonesia, highlighting areas for improving user experience and boosting wider market adoption. This study is expected to inform future marketing strategies and feature development for the OVO fintech application, ultimately fostering greater user loyalty in an increasingly competitive fintech landscape.

Article Details

Determinants of Continuance Intention by Developing the Expectation Confirmation Model (ECM): A Study of OVO Fintech Application Users in Indonesia

Authors:

Amma Fazizah | Mochammad Al Musadieq | Andriani Kusumawati | Mohammad Iqbal

Publisher:

KnE Social Sciences

Journal:

KnE Social Sciences Vol.10 Issue 13, pp.307-328

Document Type:

Article

Publication Date:

6/2025

Document Language:

English

Document ID (Org No.):

2001514541

pISSN:

2518-668X

continuance intention

expectation confirmation model

OVO Fintech application

Issues

Article Details

Determinants of Continuance Intention by Developing the Expectation Confirmation Model (ECM): A Study of OVO Fintech Application Users in Indonesia

Authors: Amma Fazizah | Mochammad Al Musadieq | Andriani Kusumawati | Mohammad Iqbal

Publisher: KnE Social Sciences

Journal: KnE Social Sciences Vol.10 Issue 13, pp.307-328

Document Type: Article

Publication Date: 6/2025

Document Language: English

Document ID (Org No.): 2001514541

pISSN: 2518-668X

continuance intention

expectation confirmation model

OVO Fintech application

Issues

Authors:

Amma Fazizah | Mochammad Al Musadieq | Andriani Kusumawati | Mohammad Iqbal

Publisher:

KnE Social Sciences

Journal:

KnE Social Sciences Vol.10 Issue 13, pp.307-328

Document Type:

Article

Publication Date:

6/2025

Document Language:

English

Document ID (Org No.):

2001514541

pISSN:

2518-668X