Unlocking the Power of Mindfulness: How Social Influence Shapes Technology Continuance

This study examines the key determinants influencing the continuance usage of ShopeePayLater, with a particular emphasis on the role of Mindfulness in Technology Adoption and the mediating effect of social influence. Given the rapid expansion of digital financial services, a comprehensive understanding of user behavior is essential for ensuring sustained engagement. Data were obtained from 220 active ShopeePayLater users through a structured questionnaire. The collected responses were subjected to rigorous statistical analysis using the Structural Equation Modeling (SEM) approach, facilitated by SMART PLS-3 software, to ensure the validity and reliability of the findings. The results indicate that Mindfulness in Technology Adoption significantly influences the continuance usage of ShopeePayLater services. Additionally, social influence serves as a critical mediating variable, reinforcing the relationship between technology adoption and continued usage. These findings suggest that users who adopt financial technology with a mindful approach and social reinforcement demonstrate a higher likelihood of continued utilization of ShopeePayLater services. This study underscores the importance of thoughtful technology adoption and the role of social influence in promoting sustained engagement with digital financial services. The insights from this research offer valuable implications for financial technology providers in developing strategic interventions to enhance user retention by incorporating user-centric and socially driven approaches. Future research should explore additional psychological and behavioral factors that may further shape the adoption and continuance of digital financial services. A deeper understanding of these elements will contribute to a more comprehensive framework for ensuring the long-term sustainability of digital financial ecosystems.