Determinants and Theoretical Perspectives of Continuance Intention in Digital Payment Services: A Systematic Literature Review
Puspa Leni*
Yunia Wardi
Rino Rino
Continuance intention in digital payment services denotes users' willingness to maintain usage post-adoption. Understanding its determinants is crucial for long-term ecosystem sustainability. This study conducts a systematic literature review (SLR) of empirical research on continuance intention in digital payment services, aiming to: (1) identify key determinants influencing continued usage post-adoption; (2) analyze dominant theoretical frameworks in international literature; and (3) synthesize explanatory mechanisms linking user experience to ecosystem sustainability. The review examines empirical research in Scopus-indexed and major bibliometric databases, synthesizing studies to identify determinants, frameworks, and mechanisms. Findings show user satisfaction, perceived usefulness, perceived ease of use, trust, security, and social influence consistently emerge as primary continuance determinants, with satisfaction proving the most robust predictor across contexts. The review reveals studies predominantly employ techno-behavioral models, including the Expectation–Confirmation Model and Technology Acceptance Model, while risk-related perspectives remain under-integrated. Longitudinal research remains scarce. The review recommends integrative theoretical approaches and longitudinal studies to advance understanding of continuance intention in digital payment services.
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