Artificial Intelligence Performance Role in the Use of Virtual Credit Cards

Abstract

This research aims to examine the effect of security, privacy, and reputation on trust and perceived risk; the moderating role of AI performance between the effect of security, privacy, and reputation on trust and perceived risk; the effect of trust and perceived risk on attitude and attention; and the effect of attitude on attention in the context of the use of virtual credit cards. Research samples include 126 respondents. Variables measurement uses 7-Likert scale questionaries spread to social media. Data analysis uses path analysis. Based on data analysis, security, privacy, and reputation have effects on trust and perceived risk to use virtual credit cards. AI performance moderates the effect of security, privacy, and reputation on trust and perceived risk to use virtual credit cards. Trust and perceived risk also have effects on attitude and intention to use virtual credit cards. Furthermore, the attitude has an effect on intention to use virtual credit cards. First, this research contributes to behavioral economics theory to capture the problem of AI and virtual credit card. Second, this research provides new evidence of virtual credit card as cross-border payment in Indonesia. Third, this research uses AI performance to fill previous gap. Fourth, this research captures new updates of AI development since AI always changes from time to time.