The Influence of AI Personalization, Perceived Usefulness, and Trust in Technology on Online Purchase Intention

https://doi.org/10.59971/jumper.v3i10.%201.1259

Authors

  • Franciscus Dwikotjo Sri Sumantyo Universitas Bhayangkara Jakarta Raya, Indonesia
  • Titin Jumriah Universitas Werisar, Indonesia
  • Noorhayani Dyani Laksmi Universitas Muhammadiyah Palangkaraya, Indonesia

Keywords:

AI Personalization, Perceived Usefulness, Trust in Technology, Online Purchase Intention, E-commerce

Abstract

This study aims to examine the influence of AI personalization, perceived usefulness, and trust in technology on online purchase intention in the context of e-commerce. The rapid advancement of artificial intelligence has enabled online platforms to deliver personalized experiences, which are expected to enhance consumer engagement and purchasing behavior. This research adopts a quantitative approach using a cross-sectional survey design. Data were collected from 200 respondents who have experience in online shopping and exposure to AI-based personalization features. The data were analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS) to evaluate both the measurement and structural models. The results indicate that AI personalization, perceived usefulness, and trust in technology all have a significant positive effect on online purchase intention. Among these variables, trust in technology emerges as the most influential factor, highlighting the importance of security, reliability, and consumer confidence in digital transactions. AI personalization also plays a crucial role by enhancing the relevance of product recommendations and improving user experience, while perceived usefulness contributes by increasing the efficiency and convenience of online shopping. The model demonstrates strong explanatory power, indicating that these variables collectively provide a comprehensive understanding of consumer behavior in digital marketplaces. The findings of this study offer both theoretical and practical implications, suggesting that e-commerce businesses should focus on integrating advanced AI technologies with trust-building strategies and user-friendly systems to increase consumer purchase intention.

Downloads

Download data is not yet available.

References

Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Williams, M. D. (2020). Consumer adoption of mobile banking in Jordan: Examining the role of usefulness, ease of use, perceived risk, and trust. International Journal of Bank Marketing, 38(1), 86–112. https://doi.org/10.1108/IJBM-07-2019-0218

Arif, H. M., & Windarsari, W. R. (2026). Between Algorithm and Adat: How Bugis-Makassar MSMEs Negotiate AI Marketing Through the Lens of Siri’ na Pacce. Economics and Business Journal (ECBIS), 4(3), 897–908. https://doi.org/10.47353/ecbis.v4i3.308

Bawack, R. E., Wamba, S. F., & Carillo, K. D. A. (2022). Artificial intelligence in e-commerce: A systematic review and research agenda. Electronic Markets, 32(1), 123–145. https://doi.org/10.1007/s12525-021-00468-5

Bleier, A., Harmeling, C. M., & Palmatier, R. W. (2020). Creating effective online customer experiences. Journal of Marketing, 84(2), 98–119. https://doi.org/10.1177/0022242919885155

Davenport, T. H., Guha, A., Grewal, D., & Bressgott, T. (2020). How artificial intelligence will change the future of marketing. Journal of the Academy of Marketing Science, 48(1), 24–42. https://doi.org/10.1007/s11747-019-00696-0

Dipoatmodjo, T. S. P., Burhanuddin, & Arif, H. M. (2026). Employee Adaptation To Artificial Intelligence In The Workplace: A Phenomenological Study In South Sulawesi Companies. Economics and Business Journal (ECBIS), 4(2), 547–564. https://doi.org/10.47353/ecbis.v4i2.379

Gefen, D., Karahanna, E., & Straub, D. W. (2020). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 44(1), 1–26. https://doi.org/10.25300/MISQ/2020/14414

Huang, M.-H., & Rust, R. T. (2021). Artificial intelligence in service. Journal of Service Research, 24(1), 3–17. https://doi.org/10.1177/1094670520902266

Kim, Y., & Peterson, R. A. (2021). A meta-analysis of online trust relationships in e-commerce. Journal of Interactive Marketing, 55, 1–18. https://doi.org/10.1016/j.intmar.2021.01.001

Nguyen, T. H., Dang, H. P., & Nguyen, H. T. (2023). The impact of AI personalization on consumer behavior and purchase intention. Sustainability, 15(3), 2104. https://doi.org/10.3390/su15032104

Pantano, E., Pizzi, G., Scarpi, D., & Dennis, C. (2021). Competing during a pandemic? Retailers’ ups and downs during COVID-19 outbreak. Journal of Business Research, 129, 209–213. https://doi.org/10.1016/j.jbusres.2021.02.055

Prasetyo, Y. T., Ong, A. K. S., Concepcion, G. K. F., Navata, F. M., & Robles, R. A. V. (2023). Consumer acceptance of artificial intelligence in e-commerce: An extended TAM model. Heliyon, 9(2), e13345. https://doi.org/10.1016/j.heliyon.2023.e13345

Riu, I. A., Radjab, I., Arif, H. M., Haeruddin, M. I. W., & Aswar, N. F. (2026). Consumer Trust In Influencer-Based Digital Marketing: A Qualitative Study Among Beauty Product Consumers In Makassar City. Economics and Business Journal (ECBIS), 4(2), 533–546. https://doi.org/10.47353/ecbis.v4i2.378

Sanny, L., Arina, A., Maulidya, R., & Pertiwi, R. P. (2021). Purchase intention on Indonesian e-commerce platforms: The role of trust and perceived usefulness. Management Science Letters, 11(1), 1–8. https://doi.org/10.5267/j.msl.2020.8.025

Sharma, S. K., Singh, G., & Sharma, R. (2022). Understanding the role of perceived usefulness and trust in technology adoption in online shopping. Journal of Retailing and Consumer Services, 65, 102842. https://doi.org/10.1016/j.jretconser.2021.102842

Sheth, J. (2020). Impact of COVID-19 on consumer behavior: Will the old habits return or die? Journal of Business Research, 117, 280–283. https://doi.org/10.1016/j.jbusres.2020.05.059

Tam, K. Y., & Ho, S. Y. (2021). Web personalization strategies and consumer decision-making. MIS Quarterly, 45(2), 789–824. https://doi.org/10.25300/MISQ/2021/15821

Windarsari, W. R., & Arif, H. M. (2026). Diferensiasi Kualitas Keterlibatan dalam Social Commerce: Analisis Sistematis Trust-Based Engagement terhadap Perilaku Pembelian Berulang. Kompeten: Jurnal Ilmiah Ekonomi Dan Bisnis, 4(6), 1692–1702. https://doi.org/10.57141/kompeten.v4i6.261

Xu, X., Watson, G., & Whittaker, L. (2022). The impact of AI recommendation systems on online purchase behavior. Information & Management, 59(6), 103678. https://doi.org/10.1016/j.im.2022.103678

Zhang, K. Z. K., Hu, B., & Zhao, S. J. (2022). The influence of trust and perceived usefulness on online purchase intention in digital platforms. Electronic Commerce Research and Applications, 52, 101125. https://doi.org/10.1016/j.elerap.2021.101125

Published

2026-08-18

How to Cite

Sumantyo, F. D. S., Jumriah, T., & Laksmi, N. D. (2026). The Influence of AI Personalization, Perceived Usefulness, and Trust in Technology on Online Purchase Intention. Journal Management & Economics Review (JUMPER), 3(10. 1), 561–572. https://doi.org/10.59971/jumper.v3i10. 1.1259