Developing Cashless Tourism from a Tourist Perspective: The Role of TAM and AMO Theory

  • Mega Fitriani Adiwarna PRAWIRA Politeknik Pariwisata NHI Bandung, Indonesia
  • Eko SUSANTO Politeknik Negeri Bandung, Indonesia
  • Andar Danova Lastaripar GOELTOM Politeknik Pariwisata NHI Bandung, Indonesia
  • Chairul FURQON Universitas Pendidikan Indonesia, Indonesia


Cashless tourism has become the future of the global tourism industry which is defined as a condition of financial transaction activities for the benefit of tourism that is carried out in a non-cash manner. This condition is motivated by changes in payment technology constantly migrating from conventional to digital models. The creation of increasingly diverse cashless payment channels and internal access has become a catalyst for changes in financial transactions in tourism. This study seeks to uncover factors that influence the internalization of cashless tourism by combining AMO (Abilities, Motivation and Opportunities) and TAM (Technology Acceptance Model) Theory. By involving 198 tourists and using the SEM-PLS approach, this study has carefully analyzed that there are 3 (three) phases of cashless tourism internalization: pre-condition, experiences, and internalization. The findings of this study contribute to the understanding of technology adoption in the context of travel and the need to develop digital payments for stakeholders.



[1] Alaimo, L.S., Fiore, M. and Galati, A. 2020. How the COVID-19 Pandemic Is Changing Online Food Shopping Human Behaviour in Italy. Sustainability (Switzerland), 12 (22): 1–18. DOI:
[2] Appelbaum, E., Bailey, T., Berg, P. and Kalleberg, A.L. 2000. Manufacturing Advantage: Why High-Performance Work Systems Pay Off. New York, USA: Cornell University Press.
[3] Ardiansah, M N., Chariri, A., Rahardja, S. and Udin 2020. The Effect of Electronic Payments Security on E-Commerce Consumer Perception : An Extended Model of Technology Acceptance. Management Science Letters, 10: 1473–80. DOI:
[4] Balakrishnan, V., and Shuib, N.L.M. 2021. Drivers and Inhibitors for Digital Payment Adoption Using the Cashless Society Readiness-Adoption Model in Malaysia. Technology in Society, 65 (June 2020): 101554. DOI:
[5] Benevene, P., and Buonomo, I. 2020. Green Human Resource Management: An Evidence-Based Systematic Literature Review. Sustainability (Switzerland), 12 (15). DOI:
[6] Buhalis, D. 2019. Technology in Tourism-from Information Communication Technologies to ETourism and Smart Tourism towards Ambient Intelligence Tourism: A Perspective Article. Tourism Review, 75 (1): 267–72. DOI:
[7] Chaveesuk, S., Khalid, B. and Chaiyasoonthorn, W. 2021. Digital Payment System Innovations: A Marketing Perspective on Intention and Actual Use in the Retail Sector. Innovative Marketing, 17 (3): 109–23. DOI:
[8] Chellapalli, Thirupathi, Daruri Venkata, and Srinivas Kumar. 2020. Role of Customer Perceptions in the Usage of Electronic Payment Systems. International journal of scientific & technology research, 9: 4336–40.
[9] Chinomona, R. 2013. The Influence of Perceived Ease of Use and Perceived Usefulness on Trust and Intention to Use Mobile Social Software : Technology and Innovation. African Journal for Physical Health Education, Recreation and Dance, 19 (2): 258–73.
[10] Daud, Anshar, Naili Farida, Andriyansah, and Mashur Razak. 2018. Impact of Customer Trust toward Loyalty: The Mediating Role of Perceived Usefulness and Satisfaction. Journal of Business and Retail Management Research, 13 (2): 235–42. DOI:
[11] Davis, F.D. 1989. Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. JSTOR, 13 (3): 319–40. DOI:
[12] Fornell, C., and Larcker, D. F. 1981. Evaluating Structural Equation Models with Unobservable Variables and Measurement Error. Journal of Marketing Research, 18 (1): 39–50.
[13] Hair, J., Hollingsworth, C. L., Randolph, A. B. and Chong, A.Y.L. 2017. An Updated and Expanded Assessment of PLS-SEM in Information Systems Research. Industrial Management and Data Systems, 117 (3): 442–58. DOI:
[14] Hair, J.F, Jeffrey Joe Risher, Marko Sarstedt, and Christian M Ringle. 2018. “The Results of PLS-SEM Article Information.” European Business Review 31 (1): 2–24. DOI:
[15] Humbani, M. and Wiese, M. 2017. A Cashless Society for All: Determining Consumers’ Readiness to Adopt Mobile Payment Services. Journal of African Business, 19(3): 409-429. DOI:

[16] Kaur, A., and Malik, G. 2019. Examining Factors Influencing Indian Customers’ Intentions and Adoption of Internet Banking: Extending TAM with Electronic Service Quality. Innovative Marketing, 15 (2): 42–57. DOI:
[17] Kobthong, Ladkoom and Bundit, Thanasopon. 2020. “Factors Influencing Reuse Intention of E-Payment in Thailand : A Case Study of PromptPay.” In Proceeding 22nd International Conference on Enterprise Information Systems (ICEIS 2020), 1: 743–50. DOI:
[18] Ladkoom, K., and Thanasopon, B. 2018. Factors Influencing E-Payment Loyalty in Thailand. In 2018 10th International Conference on Information Technology and Electrical Engineering (ICITEE), 295–300. IEEE.
[19] Mansoora, A. et al. 2021. Do Green HR Practices Enhance Green Motivation and Proactive Environmental Management Maturity in Hotel Industry? International Journal of Hospitality Management, 94 (June 2020): 102852. DOI:
[20] Najib, M. 2020. Investigating the Adoption of Digital Payment System through an Extended Technology Acceptance Model: An Insight from the Indonesian Small and Medium Enterprises. International Journal on Advanced Science, Engineering and Information Technology, 10(4): 1702–8. DOI:
[21] Nuryyev, G., Spyridou, A., Yeh, S. and Lo, C.C. 2021. Factors of Digital Payment Adoption in Hospitality Businesses: A Conceptual Approach. European Journal of Tourism Research, 29 (2021): 1–9.
[22] Pham, N.T., Thanh, T. V., Tučková, Z. and Thuy, V.T.N. 2020. The Role of Green Human Resource Management in Driving Hotel’s Environmental Performance: Interaction and Mediation Analysis. International Journal of Hospitality Management 88 (September). DOI:
[23] Singhal, R. K., Chauhan, P. and Pandey, T.R. 2020. Exploration of Factors Affecting Adoption of Digital Wallet among Indian Domestic Tourist: Study of Trust and Security Perception. ICRITO 2020 - IEEE 8th International Conference on Reliability, Infocom Technologies and Optimization (Trends and Future Directions), 1268–71. DOI:
[24] Sivathanu, B. 2019. Adoption of Digital Payment Systems in the Era of Demonetization in India: An Empirical Study. Journal of Science and Technology Policy Management, 10(1): 143–71. DOI:
[25] Sobaih, A.E.E., Hasanein, A. and Elshaer, I. 2020. Influences of Green Human Resources Management on Environmental Performance in Small Lodging Enterprises: The Role of Green Innovation. Sustainability (Switzerland), 12 (24): 1–19. DOI:
[26] Sukartini, N. W., Sudarmini, N. M. and Lasmini, N. K. 2018. Relationship between Human Resource Ability and Market Access Capacity on Business Performance. (Case Study of Wood Craft Micro- and Small-Scale Industries in Gianyar Regency, Bali). Journal of Physics: Conference Series, 953(1). DOI:
[27] Susanto, Eko, Heny Hendrayati, R. Wisnu Rahtomo, and Mega Fitriani Adiwarna Prawira. 2022. “Adoption of Digital Payments for Travelers at Tourism Destinations.” African Journal of Hospitality, Tourism and Leisure 11 (2): 741–53.
[28] Tang, Y. M., et al. 2021. Financial Innovation in Digital Payment with WeChat towards Electronic Business Success. Journal of Theoretical and Applied Electronic Commerce Research, 16(5): 1844–61. DOI:
[29] Willems, K., Brengman, M. and Van Kerrebroeck, H. 2019. The Impact of Representation Media on Customer Engagement in Tourism Marketing among Millennials. European Journal of Marketing, 53(9): 1988–2017. DOI:
[30] Ye, H., Sun, S. and Law, R. 2021. An Investigation of Developing Smart Tourism from the Perspective of Stakeholders. Asia Pacific Journal of Tourism Research, 10: 1156-1170. DOI:
How to Cite
PRAWIRA, Mega Fitriani Adiwarna et al. Developing Cashless Tourism from a Tourist Perspective: The Role of TAM and AMO Theory. Journal of Environmental Management and Tourism, [S.l.], v. 13, n. 8, p. 2104 - 2112, dec. 2022. ISSN 2068-7729. Available at: <>. Date accessed: 20 july 2024. doi: