*2.4. Product Knowledge*

Innovation and knowledge of mobile payments are some of the factors that influence the use of mobile payments [19]. Product knowledge is information obtained from a product, including product categories, brands, product attributes, product features, product prices, and product trust. Product knowledge refers to the information that users get from using the product [20]. In this case, the data obtained by the user will be considered first before deciding to use a product. The product is a physical, psychological, and symbolic attribute that is made to satisfy the needs and desires of customers [21]. A product is anything that helps a want or need through its use, consumption, or acquisition [22]. Meanwhile, a product is a set of tangible and intangible attributes, including packaging, color, price, manufacturer's prestige, and manufacturer's retailer, which the buyer may accept as an offering [23]. Product knowledge is needed as the basis for the success of a product, usually through the use or involvement in a product. Consumer knowledge on

the expectation of a product positively affects satisfaction because expertise will make the product more realistic. Consumers have different levels of product knowledge.

The research results [24] suggest that product knowledge is essential in making it easier for users to make mobile payments. On the other hand, [25] found that product knowledge had no significant effect on the use of electronic money. This can be due to the lack of information that causes a person's low interest in using a product and the culture of the Indonesian people who still feel comfortable using cash instead of electronic money.
