Determinants of Continuous Intention To Use Cash With Perceived Behavioral Control As Moderator Among Women Shoppers At Pasar Raya Padang
DOI:
https://doi.org/10.31849/37azvz98Keywords:
Attitude, Continuous Intention to Use Cash, Financial Anxiety, Perceived Behavioral Control, Subjective NormAbstract
This study examines the influence of attitude, subjective norm, and financial anxiety on continuance intention to use cash, with perceived behavioral control (PBC) as a moderating variable. This study focuses on female shoppers at Pasar Raya, Padang City, the largest traditional market in West Sumatra. A total of 150 respondents were selected using convenience sampling, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) through SmartPLS 4. Results indicate that attitude and subjective norm positively and significantly predict CIUC, with subjective norm as the dominant predictor, reflecting the embedded normative cash culture the market. Financial anxiety does not directly influence CIUC, suggesting its role operates through consumption intensity rather than payment instrument choice. PBC does not significantly moderate any hypothesized relationship, attributed to a ceiling effect whereby respondents, predominantly middle aged housewives perceive virtually no barriers to cash use. This study extends TPB by integrating financial anxiety as a novel predictor and repositioning PBC as moderator, offering practical guidance for Bank Indonesia and the banking sector. Future research is encouraged to replicate this study in modern retail environments such as shopping malls to capture greater PBC variability.
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